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The ever-changing economy makes managing finances difficult. What worked yesterday, might not work today or tomorrow. We have resources to help keep you informed so you can make smart credit decisions.

Smart Credit Management Tip #4
Avoid using all of your available credit on your credit cards. By leaving available balance on you credit cards, creditors will consider your outstanding balance a lower risk when reviewing your account.

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Other online resources to help you manage your credit card.


More Smart Credit Tips

Smart Credit Management Tips

  1. Always pay your bill on time.
    Even one late payment can affect your credit standing.

  2. Schedule online payments to post at least 5-7 days in advance.
    Pay close attention to how the payment will be processed; electronic vs. check. Checks require additional time for mailing. Note that FNBO credit card payments made on our secure web site will post the same day if made by 5:00 p.m. Central Time.

  3. Pay more than the minimum payment.
    Not only will you save money on interest for revolving balances, but Creditors will consider you to be a credit conscious and responsible customer.

  4. Avoid using all of your available credit on your credit cards.
    By leaving available balance on you credit cards, creditors will consider your outstanding balance a lower risk when reviewing your account.

  5. Avoid applying for multiple cards.
    Creditors will look at excessive credit bureau inquires on your report negatively, so don’t apply for numerous credit cards when shopping around for your perfect credit card.

  6. Review your credit report.
    Monitor your report on a regular basis to identify possible fraudulent activity and general mistakes so they can be corrected and keep your credit score protected.

  7. Sign up for AutoPay.
    Signing up for AutoPay takes the human error out of bill paying. Each month your payment will be deducted from your account so you never have to worry about late payments.


Other Online Resources to Help You Manage Your Credit Card



*Credit card payments are posted to your account on the same day if they're submitted before 5 p.m. Central Time. If your payment is submitted after 5 p.m. Central Time, or on a weekend or holiday, it will be posted the next business day. Scheduled payments can be changed up to 5 p.m. Central Time the day before they are due and payments can be scheduled up to 30 days in advance.