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How High Should My Credit Limit Be? Finding the Sweet Spot

Your credit limit is an important part of your financial health because it affects everything from your credit score to your ability to buy big things. At Peoples Bank & Trust, we believe in empowering our customers with the knowledge they need to manage their finances effectively. Heres a comprehensive guide to understanding your credit … Read more

Is a Line of Credit Really Like Cash?

Many people wonder if getting a line of credit is the same as having cash in hand. At first glance, they seem similar – you have access to funds that you can use when needed. However, there are some key differences between a line of credit and cash that are important to understand. What is … Read more

Can We Part-Pay HDFC Home Loan?

If you already have a loan, or about to take one on, then you should be fully aware of all the options for repayment that are available to you. While most lenders allow you to repay the loan via Equated Monthly Instalments, there are ways to become debt-free faster. Pre-payment and part payment are loan … Read more

Does Your Credit Start Over After 7 Years?

When life throws you a curveball and your credit card debt goes unpaid, it begs the question – what happens to unpaid credit card debt after 7 years?. Although the unpaid debt will go on your credit report and have a negative impact on your score, the good news is that it won’t last forever. … Read more

Do Apartments Check Your FICO Score When You Apply?

Timely rent payment is one of a landlords biggest concerns. So, to better evaluate which applicants are most likely to pay on time, landlords may use credit information to screen tenants. Let us tell you what you need to know about your credit history in order to rent your next place. Tenant credit checks are … Read more

Can I Use My Target RedCard at Walmart?

As a loyal Target shopper, you know the perks of using a Target RedCard. The 5% discount on every Target purchase can really add up over time. But what if you need to make a quick stop at Walmart? Can you use your RedCard to get a discount there too? The short answer is no. … Read more