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Financial Literacy 

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Good Morning,

Thank you for your comments and suggestions on our Financial Literacy emails. 

The Consumer Financial Protection Bureau (CFPB) is a United States government agency that makes sure banks, lenders, and other financial companies treat you fairly. The CFPB provides free resources to help you manage your credit cards, whether you are shopping for a new card or managing your current credit. Read more about Credit Card Basics below.

Credit Card Basics

Learn when companies can change your credit card term

A company can typically change your credit card terms for future purchases, but they’re generally required to notify you 45 days in advance of any significant changes. Read more HERE...

Understand how a credit card issuer calculates your interest rate

Your interest rate is what you pay for borrowing money, and most companies calculate it daily. The sooner you pay all or part of your balance, the less interest you pay. Read more HERE...

Learn the difference between a fixed and variable APR

Credit cards have interest rates that are either fixed or adjustable based on an interest rate index. When shopping for a card, find out if the APR is fixed or variable. Read more HERE...

Stay safe and be well,

Amber Rosewood
Cowlitz Community Network
360-442-7089 | Cell: 360-430-2991

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