Categories
Borrow

How to Apply for a Credit Card and Get Approved

Credit cards offer consumers an alternative way to pay for expenses, consolidate their debt, handle unexpected emergencies, and even earn rewards such as travel miles or cash back. If you are new to the world of credit, you may not know how credit cards work, how to apply for a credit card, and how to […]

Categories
Borrow

How to Pick a Credit Card [Features Checklist]

If you’re ready to choose a credit card, you may be wondering how to get started. With so many features, rewards, and different rules and guidelines, it can be hard to know the right card for you.  We understand it can be overwhelming to apply for a credit card, which is why we’ve put together […]

Categories
Security

Refund Scams

It is hard to believe Thanksgiving is almost here. Families will get together to celebrate, watch football, and see who passes out first from eating too much turkey. One of the other traditions associated with Thanksgiving is breaking the wishbone. The tradition of wishing on bones is older than you probably think. This tradition can […]

Categories
Security

Anyone Can Be Scammed

Robert Lappin was a self-made millionaire. He started out making vacuum cleaners, then expanded his wealth by investing in real estate and finance. He created the Robert I. Lappin Charitable Foundation to help the Jewish community. Mr. Lappin, being an intelligent and carrying person, invested his foundation funds, his employees’ retirement plans, and his personal […]

Categories
Security

Common Scams

On October 1, 1908, Henry Ford’s Model T went on sale. At that time motorized vehicles had been manufactured for over 20 years; however, they were not affordable or practical for most people. Ford sold his Model T for $850.00. It was higher than most people’s income but was considered affordable. Ford also designed his […]

Categories
Security

The First Recorded Scam

Norman Cousins once wrote, “History is a vast early warning system.” I believe that to be very true. With that in mind, I thought it would be great to share some of that history as it applies to fraud scams. Scams occurred way before they were ever written down, but unfortunately those stories are lost […]

Categories
Credit Unions

Happy 2nd of July

Welcome to the Radiant Credit Union Fraud Blog. In this blog I am going to provide information on various types of fraud that you, or someone you know, may come to, or have already experienced. My primary goal is to provide you with information that can help you understand the vast and complex fraud landscape. […]

Categories
Credit Unions

Credit Unions for $100, Alex!

Even though Alex Trebek is no longer the host of the long-running quiz show Jeopardy! he will always be the host in our hearts. In his honor, we decided to release our latest blog post in the form of questions to the answers of 10 facts about Credit Unions, and why they are a brighter […]

Categories
Borrow Home Equity Homebuying Mortgage

Get More from Your Home with a HELOC

Did you know that you can get more from your home than just happy memories? You may qualify for a special kind of home loan called a Home Equity Line of Credit (HELOC). “A home equity loan is a loan for a fixed amount of money that is secured by your home. You repay the […]

Categories
Budget

Get your credit score back on track with Radiant Credit Union!

Whatever the reason your credit score needs some help, you can rely on Radiant Credit Union to help you get your credit score back on track and heading in the right direction.