Make Your SCFCU Credit Card Work for You
Your SCFCU credit card can do more than cover emergencies or the occasional big purchase. When used responsibly, it can become a helpful tool for managing everyday spending, earning rewards, building credit and even simplifying your finances.
The key isn’t spending more. It’s getting more out of the money you’re already spending.
Here are a few smart ways to make your SCFCU credit card work for YOU.
Keep Track of Your Everyday Spending
Gas, groceries, dinner out, your morning coffee — everyday purchases can add up quickly.
Using your credit card for purchases already built into your budget can put more of your spending in one place, making it easier to review where your money is going and stay intentional with your spending.
That doesn’t mean putting everything on your card simply because you can. Your credit limit tells you how much you can spend; your budget should determine how much you actually do.
Simplify Your Monthly Bills
Have bills or subscriptions you know are coming every month? Consider putting some of those recurring expenses on your SCFCU credit card.
Doing so can help keep regular expenses in one place and make monthly spending easier to manage. Paying your card in full each month can also help you stay on top of due dates and simplify your finances.
Just remember: automatic doesn’t mean forgotten. Continue checking your account regularly and make sure each purchase stays within your budget.
Get More From the Spending You’re Already Doing
If you’re spending the money anyway, why not get something more out of it?
With an SCFCU Rewards, Diamond Rewards or Business Rewards credit card, everyday purchases can also give you the opportunity to earn rewards. Our rewards cards allow members to earn points on every dollar spent, which can be redeemed for merchandise, travel, experiences, and live events.
This flexibility lets you choose rewards that align with your lifestyle and preferences.
And remember to take advantage of those rewards points you’re earning. Check your rewards balance periodically and familiarize yourself with the redemption options available.
Add Another Layer of Protection
A credit card can also add some separation between everyday purchases and the money sitting in your checking account.
Credit cards can provide added protection against unauthorized purchases without the transaction directly pulling money from your checking account. And in our Online Banking or our SCFCU Mobile App, you can also control your card and turn it on and off when you wish.
That can provide another reason to consider reaching for your credit card when making everyday purchases.
Add Your Card to Your Digital Wallet
You don’t necessarily need to have the physical card in your hand to use it.
Adding your SCFCU credit card to Apple Pay or Google Wallet gives you a convenient way to securely store your card on your phone and make purchases right from your device.
It’s one more way to make the card already in your wallet — or digital wallet — easier to use as part of your everyday routine.
Build Your Credit Along the Way
Rewards and convenience can benefit you today, while responsible credit card use can also help prepare you for tomorrow.
Using your SCFCU credit card regularly and making payments on time can help you establish healthy credit habits and build your credit history. That history can become important when you’re ready to finance a vehicle, purchase a home or take another major financial step.
The key is to use your card wisely: stay on top of your payments, keep your balance manageable and only charge what you can afford. And if you want to see where you’re credit is at, you can do so with SavvyMoney, our free credit score solution!
Take Advantage of our Credit Card Rates
How much you pay in interest matters, too.
SCFCU offers fixed credit card rates as low as 9.99%, giving members another opportunity to save while managing their credit responsibly.
Pairing a competitive rate with smart spending and consistent payments can help you make the most of your card while keeping more money in your pocket.
Get More From the Card Already in Your Wallet
Using your SCFCU credit card more intentionally doesn’t mean changing how much you spend — it means thinking differently about how you’re paying for the things already in your budget.
Whether it’s groceries, gas, monthly bills or other everyday purchases, your card can help you organize spending, earn rewards, build credit, add protection and make everyday payments a little more convenient.
So, the next time you’re ready to pay, ask yourself: Could your SCFCU credit card help you get a little more out of this purchase?
Ready to make the most of your card? Explore SCFCU credit card options, and if you have any questions, chat with us online, give us a call at 320-252-2634 or stop in and visit your local SCFCU branch.