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What Should You Look For in a Credit Card?

Credit cards come in all shapes and sizes to suit every financial situation. Of course, everyone wants the most competitive interest rate but that's not the only factor to keep in mind when deciding which card is right for you.

You might want a low limit to build credit or a high limit to cover big purchases. You might want to earn cash back on purchases or earn points that you can redeem for rewards. Read on for simple ideas about what to look for in a credit card!

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7 Ways You Can Use A Personal Loan

When starting a new life chapter, many people’s first instinct is to turn toward credit cards to cover the costs. But before you start swiping the plastic for everything, we recommend an alternative option that will help keep you within your budget. You may want to consider a personal loan to stay within your budget.

When you apply for a personal loan instead of racking up credit card debt, you are making a responsible choice that can positively impact your finances for years to come.

To help you accomplish this, we've outlined seven ways to responsibly use a personal loan to pay for different needs, wants, and goals.

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4 Tips for Paying Off Credit Card Debt

Do you like credit card debt? Of course not! Sadly, debt is something nobody wants yet many people have. This poses the all-too-often question of what’s the fastest way of paying off credit card debt?

The good news is that paying off credit card debt fast might be easier than you think! Your primary plan for absolving credit card debt is to find the best way that works best for your finances. And to not lose focus.

Let’s look into a few strategies for paying off credit card debt so you have one less worry in your life (and fewer bills to pay).

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Young Adult Holding Phone and Credit Card
6 Ways You Can Save on Food Costs

Whether you're a college student or an individual keeping busy with a job or other responsibilities, your mind might be preoccupied with many other things above what you're going to eat next. Many of us resort to junk food, fast food, and even ramen noodles.

However, overdoing processed foods will leave you feeling not quite full nor nutritionally sound, either.

It is time to kick those bad habits, but how can you prepare nutritious meals that don’t cost a bundle or take hours of prep time?

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How to Use Your Credit Card Wisely [Guide]

We all know what a credit card is, and most of us know how to use it. But how many know how to use it wisely?

Getting a credit card and using it regularly (and responsibly) is one of the fastest and most effective ways to build or rebuild your credit. Read below for some good practices and a few mistakes to avoid.

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What You Should Know About Listerhill's New Associational Membership Option

We’ve got some exciting news! Listerhill is currently working with the Alabama Consumer Council (a chapter of the American Consumer Council) and Athens Alumni Association to establish a new associational membership option. This move allows for residents of other qualifying states (see the list here) to join Listerhill!

Read on to learn the basics of this new membership option.

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Three Steps for Tracking Your Expenses in 2022

Tracking your spending is the first step toward greater financial awareness and, ultimately, toward financial health. However, mastering this skill is easier said than done. How can you track every dollar you spend when you make multiple purchases each day?

We’ve outlined how to track your spending in 3 easy steps.

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Woman Budgeting with A Calculator
Comparing the Visa Cash Back & Visa Merchandise Rewards Cards

You have a lot of options when it comes to credit cards. With so many choices, it’s no wonder comparing credit cards is not an easy task.

At Listerhill, we understand the importance of making sure that you choose the right credit card for you. We are proud of the credit cards we offer and confident there is one that will meet your needs.

Read on to learn about our Visa Cash Back and Visa Merchandise Rewards cards. This information will help eliminate any guesswork when comparing credit cards.

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Older Woman on Computer Holding Credit Card
How Do Personal Loans Work?

A personal loan is a straightforward and user-friendly financial product. After a quick application process, funds will be transferred to your checking account for you to use however you need. A simple payment plan makes budgeting easy, too.

Once you get to grips with a few keywords and phrases, you'll be well on your way to answering the question, how do personal loans work? Read on to find out more.

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6 Ways You Can Reduce Your Risk of Card Fraud This Holiday Season

The unfortunate truth is that card fraud happens every day. With it being around the holidays when there's an influx of shopping with your cards, there's even more risk for card fraud to happen. You may feel helpless in these situations, however there are many precautions you can take to protect yourself against it. That's why we're sharing six tips on how to reduce your risk of card fraud.

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Frequently Asked Questions

  • What if I get an error message when I try to enroll an email address or U.S. mobile number?

    Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our member support team at 256.383.9204 and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle®.

    Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle® through your Listerhill Credit Union banking app and online banking. Please call our member support team at 256.383.9204 for help.

  • Is my information secure?

    Keeping your money and information safe is a top priority for Listerhill Credit Union. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

  • I'm unsure about using Zelle® to pay someone I don't know. What should I do?

    If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle® for these types of transactions.

    These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Listerhill Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

  • Will the person I send money to be notified?

    Yes! They will receive a notification via email or text message.

  • How long does it take to receive money with Zelle®?

    Money sent with Zelle® is typically available to an enrolled recipient within minutes.3

    If you send money to someone who isn't enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient's account, typically within minutes.3

    If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

    If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

    Still having trouble? Please contact our member support team at 256.383.9204.