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Financial Education

Take care of your credit score during the holiday season

29 December 2023

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5 min

Take care of your credit score during the holiday season

The holiday season is a time of joy and celebration, but it can also be a period of excessive spending. With the excitement of gift-giving, decorating, and enjoying festivities, it's easy to lose sight of our personal finances. However, it's crucial to maintain an excellent credit score during this season to avoid future financial problems. In this article, we'll provide  you valuable financial education tips to make good use of your credit cards during the holiday season.

1. Plan your holiday budget in advance

Creating a detailed budget before you heading out for your  holidays shopping is a plus. Decide how much you can  spend on gifts, decorations, food, and entertainment without going overboard. By having a financial plan, you'll be able to avoid impulsive spending and maintain proper control of your finances, with the help of FirstBank's credit card options.


2. Use your credit cards responsibly

Credit cards can be your ally during the holiday season when you use them correctly. Make sure to  spend what you can afford without racking up excessive debt. A good tip is to use your credit cards for planned purchases.



3. Make payments on time and avoid additional charges

It's important to remember the due dates of your cards and make payments on time. Late payments can result in interest charges and additional fees.



4. Take advantage of the benefits and rewards that your FirstBank credit cards offers

FirstBank credit cards offer a  benefits and  rewards program based on your purchases. These can include discounts, cashback, or travel experiences. Make sure you know and take advantage of these benefits to get the most value from your FirstBank credit cards. 



5. Check your credit report regularly

It's important to always stay on top of your credit score. During the holiday season, and year-round, check your credit report to make sure there are no errors or fraudulent activity. This will allow you to take quick actions should any issues arise.



Applying for a FirstBank Beyond credit cards online is easy, fast, and secure


For those looking to obtain a credit card or compare options, you can apply online easy, fast, and secure at without visiting a branch. The holiday season is an ideal time to explore these options and maximize the benefits that FirstBank credit cards offer you.


Do you want to know which of our credit cards is for you? Compare them here. Take advantage of this holiday season to make smart financial decisions and keep your credit score in great shape with FirstBank! 



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The contents in this section are provided for informational and educational purposes only and do not apply to all types of situations. The contents should not be construed as any type of advice or suggestion to take (or refrain from taking) any particular action, as it does not include or take into account all factors that may be relevant to your individual needs.