- Paying only the minimum amount due
on your credit cards.
- Charging more each month than you
make in payments.
- Using credit and cash advances for
items that used to be purchased with cash, such
as groceries, gas, and insurance.
- Having a total credit balance that
rarely decreases.
- Being at or near your credit limit
and applying for new cards.
- Needing a consolidation loan to pay
existing debt.
- Not knowing the total amount you
owe.
- Experiencing feelings of anxiety and
stress whenever you use your charge cards.
- Draining your savings to pay debts.
- Making late bill payments.
|
If
you can identify with any
of the trouble signs listed,
you're not alone! |
APGFCU offers FREE Financial Counseling
to help members through situations like these.
We offer:
- productive counseling
to help you establish and execute a financial
plan;
- preventive counseling
to help you prepare for a financial change like
lay-off or new child;
- remedial counseling
when quick action is necessary for crisis; and
- referral services
when it is appropriate.
The service is confidential, available to ALL
members, and absolutely FREE.
Give us a call to set up an appointment.
410-272-4000 ext. 5530. |
