Responsible Credit Use at Concora Credit App

Credit can be a powerful tool for building financial stability — or a source of stress. We encourage every reader to borrow only what they can repay.

Before you apply

• Know the full cost: annual fee, monthly fee, APR and optional services.
• Make sure the payment fits your monthly budget.
• Avoid applying for several cards at once.

Warning signs

• Using one card to pay another
• Only making minimum payments for months
• Regularly hitting your credit limit

Free help

Nonprofit credit counseling agencies affiliated with the National Foundation for Credit Counseling (NFCC) offer free or low-cost budgeting and debt advice. The Consumer Financial Protection Bureau (consumerfinance.gov) also offers free tools and a complaint portal.

Active-duty military

Service members and their dependents have additional protections under the Military Lending Act and the Servicemembers Civil Relief Act.