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How to Use a Credit Card Responsibly

Person using a credit card responsibly at a cafe, holding bags and a credit card in the other

Credit cards are powerful financial tools that, when used responsibly, can offer numerous benefits. However, credit cards have their own set of responsibilities and it’s important to use them wisely.   At Park View, we prioritize our members’ financial well-being and believe in preparing them with the knowledge to make smart money decisions. To help you…

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Understanding Credit Cards: A Comprehensive Guide for Young Adults

"A young woman holding a Park View Visa credit card, smiling and presenting it towards the camera.

Introduction to Credit Cards: What Are They and How Do They Work? Credit cards have become an integral part of our financial lives, but for many young adults and financial beginners, the concept can be both exciting and daunting. This guide aims to demystify credit cards, offering a thorough understanding that will empower you to…

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How Credit Card Utilization Impacts Your Credit Score

Image showing credit card being used to pay. Credit Card utilization ratio concept.

Your credit score calculation is based on multiple factors, one being your credit utilization ratio. Understanding how your spending habits with your credit card can influence this ratio is important because credit utilization directly impacts your credit score. So, what exactly is credit card utilization, and why is it so important? Understanding Credit Utilization Credit…

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