Summer is here, and that often means travel, relaxation, and a much-needed break from everyday routines. But just like you wouldn’t leave home without sunscreen, preparing your finances before a trip can help avoid sunburns of a different kind

Credit can be a helpful financial tool—but only if you understand how it works. Used the wrong way, it can lead to stress, debt, and a low credit score. Used the right way, it can help you build a strong financial future.

Your credit score is more than just a number—it’s a snapshot of your financial health. Whether you're applying for a loan, financing a car, or even signing up for utilities, your credit score can influence the opportunities available to you and how much you pay in interest.