Learning & Guidance

Make a Big Purchase with a Credit Card

credit card journey

where do you want to start?... we've got you

Understanding Cards

How to Use

Card Management

Step 1 - understanding credit cards

what you should know before getting a credit card

It’s easy to see a credit card as “free money” and spending more than your means. But if you're not careful, you could wind up paying a lot in fees and interest, hurt your credit score, and really hurt your wallet. To get ahead of it all here's what you need to know so you can properly prepare and enjoy your first credit card.

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When to Apply for a Credit Card?

Want a credit card but don't know when to get one? It's important to get a credit card when you're ready. That means having a good credit score, and more.

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Credit Application: Score Effect?

Yes, simply applying for a credit card does shave your score down a couple of points but you can bring it back up by doing the following...

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Debit vs. Credit Cards

Don't know the difference between a debit card and a credit card? Here's what you need to know to make an informed decision.

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How to Use Your Card How To Open Your Card

Step 2 - How to Use

how to best use a credit card

Credit cards often get a bad rap, but only because people don't understand how to properly utilize them. To avoid any mishaps with credit card usage, here are some credit card dos so you’ll come out enjoying your card and reap the benefits they have to offer.

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Properly Use Revolving Credit

A revolving credit account can be rewarding, but the interest and other fees that come with it aren’t. Here’s how you can avoid that and properly use revolving credit.

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Should You Have 0% APR Credit Cards?

Looking for a credit card that offers a zero percent interest rate? Here’s what happens and what to keep in mind when you sign up for this kind of credit card.

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5 Credit Card Mistakes to Avoid

Credit cards can be great but can also be a massive headache if you don't know how to use them responsibly. Here are mistakes to avoid at all costs.

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How Manage Your Credit Card Credit Card Guide

step 3 - Card Management

how to read and understand credit card statements

Have you ever received a credit card statement and weren’t quite sure what you were looking at? I get it! Reading and understanding your credit card statement is essential when managing your credit card responsibly. So here's a breakdown of each section using Skyla's credit card statement.

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CARRYING A CREDIT CARD BALANCE

let’s tackle your debt, together!

Explore Balance Transfers

Carrying a balance somewhere else? Don't miss out on the benefits of a balance transfer! Learn when it works and what to consider before transferring your debt.

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Make a debt paydown plan

Ready to tackle your debt? Making plans to eliminate or consolidate debt is a big step towards financial freedom - and you can totally get there!

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Loan Payment Calculator

didn’t find what you were looking for?

Check out Skyla’s Learning & Guidance library for articles, downloadable guides and toolkits, or calculators to see what your money can do!

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