Welcome To Triad Partners Federal Credit Union

When you join our credit union family, be confident that we'll be here to serve you today and in the years to come. Take a look at the benefits of membership; we know you'll be pleased. 5. You'll be glad you did! Triad Partners Federal Credit Union is federally insured by the National Credit Union Share Insurance Fund, which is administered by the National Credit Union Administration, an agency of the federal government. 250,000 and backed by the full faith and credit of the United States Government.

Scam: Consumers should be on the lookout for automated phone calls pretending to be from your bank or credit union. The message says that your card has been suspended and asks you to contact their security department at the telephone number provided. When customers call the number, an automated system tells them to enter their card number, expiration date, and PIN in order to "activate fraud protection on their account".

This scam, called "vishing", is an attempt to steal your personal information including card numbers, expiration dates, and PINs for your debit and credit cards. TIP: Never give your private information to someone you don't know who calls you on the phone. If you get an automated call that tells you to call another number, look up the correct number to call on your own. For example, call your credit card company at the phone number listed on the back of your credit or debit card or call your bank at the number listed on your bank statement.

However, it is not just those in dire financial straights that can benefit from reputable non profit credit counseling. Credit counseling is the tool of the day now for anyone seeking to have a secure financial future despite the economys ups, downs, or latest trends. Credit counseling can help you avoid the pitfalls that come with any economy by teaching you proper budgeting techniques and strategies.

The tide may be beginning to turn on the larger parts of the economy, but for the individual to recover and prepare for all economies to come, it is smart to seek and find a reputable credit counselor. There is one thing you can be certain of and that is change. As the economy will change so will your personal finances, and the need for you to make changes in your financial strategy will always be an ongoing occurrence that you need to be prepared for. Speaking with a nonprofit credit counselor is a must have on your list of tasks that will keep you up to date on the best budgeting and money management tactics.

Your credit score is key to your financial life. A good credit score determines your interest rates on car loans, college loans, and mortgages. For example, a good credit score can help you get a lower interest rate or a lower monthly payment, saving you thousands of dollars over the life of the loan.

A bad credit score can hurt your ability to get a loan or credit card. It has become increasingly important to monitor and protect your credit score and report because decisions are made about you based on your credit. When you try to rent an apartment or apply for a job, landlords and employers look at your credit to evaluate your financial stability. Credit decisions have vital impact on you and your family. Each credit bureau allows you to order one free copy of your credit report per year. Credit that monitors not only your credit reports, but also provides you with quarterly three-bureau credit reports and monthly Credit Score Tracker.

Majority says that if your credit card is stolen, chances are it will cost you nothing. This is because federal law limits your liability to fifty bucks. 50, but this fee is rarely applied. The great thing is most credit card companies offer some sort of fraud protection, but make sure you verify it's genuine before you accept it.

Some companies make false offers of "insurance" when in fact generally you are already protected by federal law. Stolen or lost credit cards should be reported in no less than 24 hours, for the zero liability luxury. Once again most major credit card companies rarely enforce this requirement either. But regardless you should always get on the phone the second you feel your card was stolen or lost, or you feel there are charges that you never ran up.

Follow the call with a written and signed letter stating the phantom charges that occurred, also include the details of whom you spoke with etc. Its better to be safe than sorry when dealing with theft. Make sure when receiving your credit card you read all the fine print in detail, because there are always exceptions.

Most companies that offer protection are likely to reject you if you have done something reckless with the card, for instance not reporting the card after a while when you "thought" it was lost or stolen. In essence when you apply for a credit card find a trustworthy bank. Like american express, chase, bank of america, or any visa and mastercard. This way you know that you have a understanding reliable company to back you up when theft occurs.