No credit check
No annual or reoccurring fee
Credit limit starting at $500
Monthly credit bureau reporting
Use your card in-store and online
Spend only what you can pay back.
Keep your monthly balance low
Below 50% of your credit limit is a good practice.
Make your payment on time each month
Check the due date in the app or online banking at NorthParkCCU.org.
We'll report your payments
Each month we'll report your payment history to the 3 credit bureaus.
Watch your credit build
Your credit score can increase with responsible use over time.
Your credit score is based on a number of factors, which includes payment history, the amount owed, and length of credit history.
We report your credit standing to the 3 credit bureaus every month – Experian®, Equifax®, and TransUnion®. A history of good credit standing can help you build credit.
Benefits of credit
A good credit score can help you get lower interest rates from creditors. Good credit can also help when applying for an apartment or a job and may reduce security deposit requirements on new loans or services.