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class="cta-group__cta-content-wrapper "> <span class="cta__text">Privacy & Security</span> </span> </a> <div class="cta__note"><p>Ways to keep your financial information safe and prevent identity theft</p> </div> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-taxes---income_/content/bmh/en/taxes-income" href="https://bettermoneyhabits.bankofamerica.com/en/taxes-income" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--taxes-income icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Taxes & Income</span> </span> </a> <div class="cta__note"><p>Guidance on tax planning and making the most of your pay and benefits</p> </div> </li> </ul> </div> </div> </div> <div class="navigation-items__menu--row"> <div class="navigation-items__menu--title"> <div class="heading-latest 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cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--home-ownership icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Homeownership</span> </span> </a> <div class="cta__note"><p>Everything you should know about renting, buying and owning a home</p> </div> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-college_/content/bmh/en/college" href="https://bettermoneyhabits.bankofamerica.com/en/college" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--college icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">College</span> </span> </a> <div class="cta__note"><p>Ways to make paying for college more manageable</p> </div> </li> </ul> 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Here鈥檚 what you should know before choosing to use one.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/credit/disputing-credit-card-charges" data-path="/content/bmh/en/credit/disputing-credit-card-charges" data-language="en-US" hreflang="en-US" data-subtopic="managing-credit-cards" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--managing-credit-cards mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> How to dispute a credit card charge</h3> <p class="mosaic-item__description">Whether it鈥檚 fraud or error, find the 5 things you should do if you need to dispute a charge on your credit card.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/credit/building-credit" data-path="/content/bmh/en/credit/building-credit" data-language="en-US" hreflang="en-US" data-subtopic="credit-score" data-type="Video" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--credit-score mosaic-item--Video-dimensions"> <div class="Video mosaic-item mosaic-item--Video template-theme--cx" data-featured="true" data-orientation="Video" style="background-image: url( /content/dam/bmh/mosaic-images/credit/building-credit-and-keeping-yours-healthy-mosaic-image-561x262.jpg.transform/bmh-jpg-optimize/image.jpg)"> <div class="mosaic-item__cta mosaic-item__cta--Video"> <i class="icon icon--Video mosaic-item__icon mosaic-item__icon--Video" aria-hidden="true"></i> <div class="mosaic-item__video-text"> <h3 class="mosaic-item__video-text__title ">Building credit and keeping yours healthy</h3> <span class="mosaic-item__video-text__cta-text js-mosaic-item__cta-text"> Watch video </span> </div> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/credit/5-facts-about-credit-cards" data-path="/content/bmh/en/credit/5-facts-about-credit-cards" data-language="en-US" hreflang="en-US" data-subtopic="managing-credit-cards" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--managing-credit-cards mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Debunking the myths: 7 facts about credit cards</h3> <p class="mosaic-item__description">When used wisely, a credit card can be a great financial tool. 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Residual interest may remain. Here鈥檚 how you can be sure you truly have a $0 balance.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> </div> <div class="show-more topicfilter__show-more js-topicfilter__show-more"> <a href="#" data-bactmln="topic-page-_-Hyperlink-_-ShowMore" class="show-more__button js-topicfilter__show-more-btn t-track-body-copy-link" tabindex="0" role="button">Show More </a> </div> <div> </div> </div> </div> <div><div class="aem-wrap--quiz section"> <div class="quiz quiz--type2 quiz--59c742ba-c185-3320-9d28-88b9dfa4215e js-quiz mosaic-item mosaic-item--quiz mosaic-item-- js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview-true mosaic-item--featured-true template-theme--cx" data-action="quiz" data-position="1" aria-live="polite"> <input class="quiz--currentPagePath" type="hidden" value="/content/bmh/en/credit"/> <input class="quiz--type" type="hidden" value="type2"/> <h3 class="quiz-title"> Quick quiz </h3> <form> <fieldset class="quiz-question"> <legend class="quiz-question__content">Which of these show your credit history?</legend> <div class="quiz-question__responses"> <a href="#" data-role="59c742ba-c185-3320-9d28-88b9dfa4215e" question-id="topic-link-credit-score" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_of_these_show_your_credit_history_answer_credit_score" role="button" aria-label="Credit score">Credit score </a> <a href="#" data-role="59c742ba-c185-3320-9d28-88b9dfa4215e" question-id="topic-link-credit-report" class="t-track-quiz-response js-quiz-response quiz-question__response correct background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_of_these_show_your_credit_history_answer_credit_report" role="button" aria-label="Credit report">Credit report </a> <a href="#" data-role="59c742ba-c185-3320-9d28-88b9dfa4215e" question-id="topic-link-both" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_of_these_show_your_credit_history_answer_both" role="button" aria-label="Both">Both </a> </div> </fieldset> </form> <div class="quiz-answer__resolve-screen type2" aria-hidden="true" aria-labelledby="quiz-results-label"> <span id="quiz-results-label" class="accessibility-hidden">Your Results</span> <div class="quiz-answer-status__option correct"> <figure aria-hidden="true"> <img src="/etc.clientlibs/bmh/clientlibs/resources/images-min/action-checkmark.svg" aria-hidden="true" alt=""/> </figure> <div class="quiz-answer-status__status"> Nicely done </div> </div> <div class="quiz-answer-status__option incorrect"> <figure aria-hidden="true"> <img src="/etc.clientlibs/bmh/clientlibs/resources/images-min/action-close.svg" aria-hidden="true" alt=""/> </figure> <div class="quiz-answer-status__status"> Good try </div> </div> <div class="quiz-answer-status__percentage"> <div class="quiz-answer-status__poll-percentage"> <ul> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-credit-score"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Credit score</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-credit-report"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Credit report</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-both"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Both</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> </ul> </div> </div> <div class="quiz-answer__content-helper-wrapper"> <div class="quiz-answer__content-helper"> <p class="quiz-answer__content correct">Your credit report shows your credit history. Your credit score is just a number. </p> <p class="quiz-answer__content incorrect">Your credit report shows your credit history. Your credit score is just a number. </p> </div> <a class="t-track-quiz-cta quiz-answer__related-link background--template-theme-color-cx " href="https://bettermoneyhabits.bankofamerica.com/en/credit/how-to-read-a-credit-report" data-bactmln="poll-_-submit-_-question_which_of_these_show_your_credit_history_" hreflang="en-US"> Learn about credit </a> </div> </div> </div> </div> <div class="aem-wrap--quiz section"> <div class="quiz quiz--type2 quiz--107afe0b-1ed6-3902-9d81-69e9fbefc74d js-quiz mosaic-item mosaic-item--quiz mosaic-item--credit-score js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true template-theme--cx" data-action="quiz" data-position="1" data-subtopic="credit-score" aria-live="polite"> <input class="quiz--currentPagePath" type="hidden" value="/content/bmh/en/credit"/> <input class="quiz--type" type="hidden" value="type2"/> <h3 class="quiz-title"> Quick quiz </h3> <form> <fieldset class="quiz-question"> <legend class="quiz-question__content">Healthy credit is important. Which of the following does not affect your credit score?</legend> <div class="quiz-question__responses"> <a href="#" data-role="107afe0b-1ed6-3902-9d81-69e9fbefc74d" question-id="topic-link-payment-history" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_healthy_credit_is_important__which_of_the_following_does_not_affect_your_credit_score_answer_payment_history" role="button" aria-label="Payment history">Payment history </a> <a href="#" data-role="107afe0b-1ed6-3902-9d81-69e9fbefc74d" question-id="topic-link-length-of-credit-history" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_healthy_credit_is_important__which_of_the_following_does_not_affect_your_credit_score_answer_length_of_credit_history" role="button" aria-label="Length of credit history">Length of credit history </a> <a href="#" data-role="107afe0b-1ed6-3902-9d81-69e9fbefc74d" question-id="topic-link-salary" class="t-track-quiz-response js-quiz-response quiz-question__response correct background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_healthy_credit_is_important__which_of_the_following_does_not_affect_your_credit_score_answer_salary" role="button" aria-label="Salary">Salary </a> </div> </fieldset> </form> <div class="quiz-answer__resolve-screen type2" aria-hidden="true" aria-labelledby="quiz-results-label"> <span id="quiz-results-label" class="accessibility-hidden">Your Results</span> <div class="quiz-answer-status__option correct"> <figure aria-hidden="true"> <img src="/etc.clientlibs/bmh/clientlibs/resources/images-min/action-checkmark.svg" aria-hidden="true" alt=""/> </figure> <div class="quiz-answer-status__status"> Nicely done </div> </div> <div class="quiz-answer-status__option incorrect"> <figure aria-hidden="true"> <img src="/etc.clientlibs/bmh/clientlibs/resources/images-min/action-close.svg" aria-hidden="true" alt=""/> </figure> <div class="quiz-answer-status__status"> Good try </div> </div> <div class="quiz-answer-status__percentage"> <div class="quiz-answer-status__poll-percentage"> <ul> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-payment-history"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Payment history</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-length-of-credit-history"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Length of credit history</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-salary"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Salary</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> </ul> </div> </div> <div class="quiz-answer__content-helper-wrapper"> <div class="quiz-answer__content-helper"> <p class="quiz-answer__content correct">There are five things that go into making up your credit score, including payment history and length of credit history, but salary is not one of them.</p> <p class="quiz-answer__content incorrect">There are five things that go into making up your credit score, including payment history and length of credit history, but salary is not one of them. </p> </div> <a class="t-track-quiz-cta quiz-answer__related-link background--template-theme-color-cx " href="https://bettermoneyhabits.bankofamerica.com/en/credit/how-credit-score-is-calculated" data-bactmln="poll-_-submit-_-question_healthy_credit_is_important__which_of_the_following_does_not_affect_your_credit_score_" hreflang="en-US"> See the rest </a> </div> </div> </div> </div> <div class="aem-wrap--quiz section"> <div class="quiz quiz--type1 quiz--658e5bc1-249d-317d-8e1f-5799a3538108 js-quiz mosaic-item mosaic-item--quiz mosaic-item--managing-credit-cards js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true template-theme--cx" data-action="quiz" data-position="1" data-subtopic="managing-credit-cards" aria-live="polite"> <input class="quiz--currentPagePath" type="hidden" value="/content/bmh/en/credit"/> <input class="quiz--type" type="hidden" value="type1"/> <h3 class="quiz-title"> Poll </h3> <form> <fieldset class="quiz-question"> <legend class="quiz-question__content">How much of your credit card bill do you pay every month? See how you compare to others.</legend> <div class="quiz-question__responses"> <a href="#" data-role="658e5bc1-249d-317d-8e1f-5799a3538108" question-id="topic-link-full-balance" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_how_much_of_your_credit_card_bill_do_you_pay_every_month__see_how_you_compare_to_others_answer_full_balance" role="button" aria-label="Full balance">Full balance </a> <a href="#" data-role="658e5bc1-249d-317d-8e1f-5799a3538108" question-id="topic-link-minimum-balance" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_how_much_of_your_credit_card_bill_do_you_pay_every_month__see_how_you_compare_to_others_answer_minimum_balance" role="button" aria-label="Minimum balance">Minimum balance </a> <a href="#" data-role="658e5bc1-249d-317d-8e1f-5799a3538108" question-id="topic-link-more-than-minimum" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_how_much_of_your_credit_card_bill_do_you_pay_every_month__see_how_you_compare_to_others_answer_more_than_minimum" role="button" aria-label="More than minimum">More than minimum </a> <a href="#" data-role="658e5bc1-249d-317d-8e1f-5799a3538108" question-id="topic-link-i-don-t-have-debt" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_how_much_of_your_credit_card_bill_do_you_pay_every_month__see_how_you_compare_to_others_answer_i_don_t_have_debt" role="button" aria-label="I don鈥檛 have debt">I don鈥檛 have debt </a> </div> </fieldset> </form> <div class="quiz-answer__resolve-screen type1" aria-hidden="true" aria-labelledby="quiz-results-label"> <span id="quiz-results-label" class="accessibility-hidden">Your Results</span> <div class="quiz-answer-status__percentage"> <div class="quiz-answer-status__poll-percentage"> <ul> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-full-balance"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Full balance</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-minimum-balance"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Minimum balance</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-more-than-minimum"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> More than minimum</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-i-don-t-have-debt"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> I don鈥檛 have debt</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> </ul> </div> </div> <div class="quiz-answer__content-helper-wrapper"> <div class="quiz-answer__content-helper"> <p class="quiz-answer__content correct">Always try to pay your balance in full. If you can鈥檛, pay as much as possible over the minimum. Paying less than minimum may count as a missed payment and affect your credit.</p> <p class="quiz-answer__content incorrect">Always try to pay your balance in full. If you can鈥檛, pay as much as possible over the minimum. Paying less than minimum may count as a missed payment and affect your credit. </p> </div> <a class="t-track-quiz-cta quiz-answer__related-link background--template-theme-color-cx " href="https://bettermoneyhabits.bankofamerica.com/en/debt/how-to-pay-off-credit-card-debt-fast" data-bactmln="poll-_-submit-_-question_how_much_of_your_credit_card_bill_do_you_pay_every_month__see_how_you_compare_to_others_" hreflang="en-US"> Learn more </a> </div> </div> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--how-credit-cards-work mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="1" data-subtopic="how-credit-cards-work" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">If you're just starting to build credit, one of the easiest ways to raise your credit score is to keep a low balance or to ask for a higher credit limit.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/gen-z-financial-habits?category=building_credit" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/gen-z-financial-habits?category=building_credit" tabindex="0" role="button"> <span class="accessibility-hidden"> Did you know? If you're just starting to build credit, one of the easiest ways to raise your credit score is to keep a low balance or to ask for a higher credit limit. </span>Learn more </a> </div> </div> <div class="aem-wrap--spotlight-content-tile section"> <div class="spotlight-content-tile spotlight-content-tile--video "> <a href="#" data-uc-modal-action="open" data-uc-modal-id="video-modal" class="mosaic-item--Vertical-video-dimensions js-mosaic-item js-mosaic-item--filler mosaic-item--featured-true t-track-content-tile js-content-tile-video " aria-label="What do I need to know about my credit score?" data-subtopic="how-credit-cards-work" data-position="2"> <div class="Modal mosaic-item mosaic-item--Vertical-video"> <div class="mosaic-item__image mosaic-item__image--video " style="background-image: url(/content/dam/bmh/mosaic-images/credit/vertical-how-credit-score-is-calculated.png)"></div> <div> <h3 class="mosaic-item__title mosaic-item__title--Vertical-video">Ask Better Money Habits: What do I need to know about my credit score?</h3> <p class="mosaic-item__cta mosaic-item__cta--Vertical-video"> <i class="icon icon--Video mosaic-item__icon mosaic-item__icon--Video" aria-hidden="true"></i> <span class="cta-text">Watch video</span> </p> </div> </div> </a> </div> </div> <div class="aem-wrap--modal section"> <uc-modal version="v1_3.10.1-ENT-6" class="uc-component modal--video " tabindex="-1" role="dialog" id="video-modal" aria-modal="true" aria-hidden="true" modal-theme="black" variant="video" modalPosition="top"> <div class="uc-modal"> <div class="uc-modal__content uc-modal__content--video-max-w" style="--video-max-w: min(80vw, 330px);"> <button class="uc-modal__close" data-uc-modal-action="close" aria-label="Close video modal"> <uc-icon role="img" class="uc uc-icon uc-icon-action-close uc-icon--white"></uc-icon> </button> <script src="//cdnapisec.kaltura.com/p/4699762/embedPlaykitJs/uiconf_id/51133253/langs/en,es"></script> <uc-media version="v1_3.10.1-ENT-6" class="uc-component uc-media" data-action="unityMedia" buttonAnimation="false" buttonPosition="center" disclaimerText="<p><em>The material provided on this website is for informational use only and is not intended for financial or investment advice. Bank of America Corporation and/or its affiliates assume no liability for any loss or damage resulting from one鈥檚 reliance on the material provided. Please also note that such material is not updated regularly and that some of the information may not therefore be current. Consult with your own financial professional when making decisions regarding your financial or investment management. 漏2025 Bank of America Corporation.</em></p> " entryId="1_x2ftyg9w" infiniteCarousel="false" isAudio="false" isAuthorMode="false" isPlaylist="false" isVertical="true" partnerId="4699762" playerId="51133253" playlistAutoContinue="false" playlistFilter="false" playlistTheme="black" showDisclaimer="true" theme="red" transcriptText='[{"id":"1_x2ftyg9w","transcript":"%3Cp%3E%5BMusic%20in%20background%20throughout%5D%3C%2Fp%3E%0D%0A%3Cp%3E%5BA%20Bank%20of%20America%20employee%2C%20Euralis%2C%20is%20speaking%20directly%20to%20camera%5D%3C%2Fp%3E%0D%0A%3Cp%3E%3Cstrong%3EOn%20screen%20copy%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3EEuralis%3Cbr%20%2F%3E%0D%0ABetter%20Money%20Habits%20Champion%3C%2Fp%3E%0D%0A%3Cp%3EEuralis%3A%3Cbr%20%2F%3E%0D%0ADo%20you%20have%20dreams%20of%20becoming%20an%20entrepreneur%20or%20buying%20a%20car%20or%20becoming%20a%20homeowner%3F%20Your%20credit%20score%20will%20play%20a%20big%20role%20in%20that.%3C%2Fp%3E%0D%0A%3Cp%3E%5BCredit%20score%20graphic%20appears%20with%20the%20red%20dial%20moving%20from%20300%20on%20left%20towards%20850%20on%20right%5D%3C%2Fp%3E%0D%0A%3Cp%3E%3Cstrong%3EOn%20screen%20copy%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3E300%3Cbr%20%2F%3E%0D%0A850%3C%2Fp%3E%0D%0A%3Cp%3EEuralis%3A%3Cbr%20%2F%3E%0D%0AYour%20credit%20score%20is%20a%20three-digit%20number%20that%20tells%20lenders%20how%20credible%20you%20are%20and%20how%20reliable%20you%20are%20in%20making%20your%20payments.%3C%2Fp%3E%0D%0A%3Cp%3E%3Cstrong%3EOn%20screen%20copy%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3ETimely%20bill%20payments%20can%20improve%20your%20score%3C%2Fp%3E%0D%0A%3Cp%3EEuralis%3A%3Cbr%20%2F%3E%0D%0AThe%20biggest%20thing%20that%20contributes%20to%20your%20credit%20score%20is%20making%20your%20payments%20on%20time.%3C%2Fp%3E%0D%0A%3Cp%3EOne%20of%20the%20common%20myths%20is%20that%20you%20have%20to%20carry%20a%20balance%20on%20your%20credit%20card%20in%20order%20to%20improve%20your%20credit%20score.%20I%27m%20here%20to%20tell%20you%20that%20that%20is%20not%20true.%3C%2Fp%3E%0D%0A%3Cp%3EYou%20can%20make%20your%20payment%20in%20full%20each%20month%2C%20and%20it%20will%20actually%20improve%20your%20credit%20score.%20With%20a%20high%20credit%20score%2C%20you%27re%20able%20to%20pay%20less%20in%20interest%20when%20you%20borrow%20money%2C%20so%20make%20sure%20that%20you%27re%20using%20credit%20wisely%20in%20order%20for%20you%20to%20build%20wealth.%3C%2Fp%3E%0D%0A%3Cp%3E%3Cstrong%3EOn%20screen%20copy%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3EAsk%20Better%20Money%20Habits%3Cbr%20%2F%3E%0D%0AWhat%20do%20I%20need%20to%20know%20about%20my%20credit%20score%3F%3Cbr%20%2F%3E%0D%0ABank%20of%20America%C2%AE%C2%A0logo%3Cbr%20%2F%3E%0D%0ABetter%20Money%20Habits%C2%AE%3C%2Fp%3E%0D%0A%3Cp%3E%3Cstrong%3EOn%20screen%20disclosures%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3EThe%20material%20provided%20in%20this%20video%20is%20for%20informational%20use%20only%20and%20is%20not%20intended%20for%20financial%20or%20investment%20advice.%3C%2Fp%3E%0D%0A%3Cp%3EBank%20of%20America%20Corporation%20and%2For%20its%20affiliates%20assume%20no%20liability%20for%20any%20loss%20or%20damages%20resulting%20from%20one%E2%80%99s%20reliance%20on%20the%20material%20provided.%20Please%20also%20note%20that%20such%20material%20is%20not%20updated%20regularly%2C%20therefore%20some%20of%20the%20information%20may%20not%20be%20current.%3C%2Fp%3E%0D%0A%3Cp%3EConsult%20with%20your%20own%20financial%20professional%20when%20making%20decisions%20regarding%20your%20financial%20or%20investment%20management.%3C%2Fp%3E%0D%0A%3Cp%3EBank%20of%20America%2C%20N.A.%20Member%20FDIC.%20Equal%20Credit%20Opportunity%20Lender.%20%C2%A9%202024%20Bank%20of%20America%20Corporation.%20All%20rights%20reserved.%3C%2Fp%3E%0D%0A%3Cp%3E%5BEnd%20of%20transcript%5D%3C%2Fp%3E%0D%0A"}]' closeTranscriptText="Close Transcript" closeDisclaimerText="Close Disclaimer" disclaimerTitle="Disclaimer" transcriptTitle="Transcript" carouselNextArrowText="Go to Next Item" carouselPreviousArrowText="Return to Previous Item" carouselDotsLabel="of" playlistItemLabel="Item {0} of {1} Play {2} video" validCloseCaptions="true" expandVideoWhenPlaying="false" posterImagePosition="center" data-video-id="1_x2ftyg9w_What do I need to know about my credit score?"> <div id="en-how-credit-score-is-calculated" class="uc-media__player"> </div> <div class="uc-media-transcript" aria-hidden="true" aria-expanded="false"> <div class="uc-media-transcript__header"> <button aria-label="Close Transcript" class="uc-media-transcript__close uc-media-icon-close" tabindex="-1" title="Close Transcript"></button> </div> <div class="uc-media-transcript__container" tabindex="-1"> <h3 class="uc-media-transcript__title">Transcript</h3> <div class="uc-media-transcript__text"></div> </div> </div> <script type="application/ld+json">{"@type":"VideoObject","name":"What do I need to know about my credit score?","description":"No description","thumbnailUrl":"https://cfvod.kaltura.com/p/4699762/sp/469976200/thumbnail/entry_id/1_x2ftyg9w/version/100011","uploadDate":"2024-08-28T09:38:52-04:00","contentUrl":"https://cdnapisec.kaltura.com/p/4699762/sp/469976200/playManifest/entryId/1_x2ftyg9w/format/url/protocol/https","embedUrl":"https://cdnapisec.kaltura.com/p/4699762/sp/469976200/playManifest/entryId/1_x2ftyg9w/format/url/protocol/https","width":1080,"height":1920,"duration":"PT53S","transcript":"[Music in background throughout] [A Bank of America employee, Euralis, is speaking directly to camera] On screen copy: Euralis Better Money Habits Champion Euralis: Do you have dreams of becoming an entrepreneur or buying a car or becoming a homeowner? Your credit score will play a big role in that. [Credit score graphic appears with the red dial moving from 300 on left towards 850 on right] On screen copy: 300 850 Euralis: Your credit score is a three-digit number that tells lenders how credible you are and how reliable you are in making your payments. On screen copy: Timely bill payments can improve your score Euralis: The biggest thing that contributes to your credit score is making your payments on time. One of the common myths is that you have to carry a balance on your credit card in order to improve your credit score. I'm here to tell you that that is not true. You can make your payment in full each month, and it will actually improve your credit score. With a high credit score, you're able to pay less in interest when you borrow money, so make sure that you're using credit wisely in order for you to build wealth. On screen copy: Ask Better Money Habits What do I need to know about my credit score? Bank of America庐 logo Better Money Habits庐 On screen disclosures: The material provided in this video is for informational use only and is not intended for financial or investment advice. Bank of America Corporation and/or its affiliates assume no liability for any loss or damages resulting from one鈥檚 reliance on the material provided. Please also note that such material is not updated regularly, therefore some of the information may not be current. Consult with your own financial professional when making decisions regarding your financial or investment management. Bank of America, N.A. Member FDIC. Equal Credit Opportunity Lender. 漏 2024 Bank of America Corporation. All rights reserved. [End of transcript]","@context":"http://schema.org"}</script> </uc-media> </div> </div> <div class="uc-modal__overlay"></div> </uc-modal> </div> <div class="aem-wrap--spotlight-content-tile section"> <div class="spotlight-content-tile spotlight-content-tile--video "> <a href="#" data-uc-modal-action="open" data-uc-modal-id="two-video-modal" class="mosaic-item--Vertical-video-dimensions js-mosaic-item js-mosaic-item--filler mosaic-item--featured-true t-track-content-tile js-content-tile-video " aria-label="Dominique - How can I avoid credit card interest?" data-subtopic="credit-score" data-position="6"> <div class="Modal mosaic-item mosaic-item--Vertical-video"> <div class="mosaic-item__image mosaic-item__image--video " style="background-image: url(/content/dam/bmh/mosaic-images/credit/vertical-avoid-credit-card-interest.png)"></div> <div> <h3 class="mosaic-item__title mosaic-item__title--Vertical-video">Ask Better Money Habits: How can I avoid credit card interest?</h3> <p class="mosaic-item__cta mosaic-item__cta--Vertical-video"> <i class="icon icon--Video mosaic-item__icon mosaic-item__icon--Video" aria-hidden="true"></i> <span class="cta-text">Watch video</span> </p> </div> </div> </a> </div> </div> <div class="aem-wrap--modal section"> <uc-modal version="v1_3.10.1-ENT-6" class="uc-component modal--video " tabindex="-1" role="dialog" id="two-video-modal" aria-modal="true" aria-hidden="true" modal-theme="black" variant="video" modalPosition="top"> <div class="uc-modal"> <div class="uc-modal__content uc-modal__content--video-max-w" style="--video-max-w: min(80vw, 330px);"> <button class="uc-modal__close" data-uc-modal-action="close" aria-label="Close video modal"> <uc-icon role="img" class="uc uc-icon uc-icon-action-close uc-icon--white"></uc-icon> </button> <uc-media version="v1_3.10.1-ENT-6" class="uc-component uc-media" data-action="unityMedia" buttonAnimation="false" buttonPosition="center" disclaimerText="<p><em>The material provided on this website is for informational use only and is not intended for financial or investment advice. Bank of America Corporation and/or its affiliates assume no liability for any loss or damage resulting from one鈥檚 reliance on the material provided. Please also note that such material is not updated regularly and that some of the information may not therefore be current. Consult with your own financial professional when making decisions regarding your financial or investment management. 漏2025 Bank of America Corporation.</em></p> " entryId="1_8h5iukk9" infiniteCarousel="false" isAudio="false" isAuthorMode="false" isPlaylist="false" isVertical="true" partnerId="4699762" playerId="51133253" playlistAutoContinue="false" playlistFilter="false" playlistTheme="black" showDisclaimer="true" theme="red" transcriptText='[{"id":"1_8h5iukk9","transcript":"%3Cp%3E%5BMusic%20in%20background%20throughout%5D%3C%2Fp%3E%0D%0A%3Cp%3E%5BA%20Bank%20of%20America%20employee%2C%20Dominique%2C%20is%20speaking%20directly%20to%20camera%5D%3C%2Fp%3E%0D%0A%3Cp%3E%3Cstrong%3EOn%20screen%20copy%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3EDominique%3Cbr%20%2F%3E%0D%0ABetter%20Money%20Habits%20Champion%3C%2Fp%3E%0D%0A%3Cp%3EDominique%3A%3Cbr%20%2F%3E%0D%0ASo%20you%20avoid%20credit%20card%20interest%20by%20paying%20off%20your%20statement%20balance%20each%20month.%20Now%2C%20that%27s%20easier%20said%20than%20done%2C%20and%20especially%20if%20it%27s%20a%20new%20credit%20card%20or%20you%27re%20a%20new%20credit%20card%20user.%3Cbr%20%2F%3E%0D%0A%3Cstrong%3E%3Cbr%20%2F%3E%0D%0AOn%20screen%20copy%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3EUse%20credit%20cards%20for%20budgeted%20expenses%3C%2Fp%3E%0D%0A%3Cp%3EDominique%3A%3Cbr%20%2F%3E%0D%0ASo%20what%20I%20think%20is%20a%20really%20good%20best%20practice%20is%20to%20use%20the%20credit%20card%20for%20those%20expenses%20that%20you%27ve%20already%20budgeted%20for.%20So%20something%20like%20gas%20for%20your%20transportation%20or%20groceries.%20Those%20are%20expenses%20that%20are%20needs%2C%20and%20you%20should%20have%20no%20problem%20with%20being%20able%20to%20pay%20those%20off%20at%20the%20end%20of%20each%20statement%20period.%3Cbr%20%2F%3E%0D%0A%3C%2Fp%3E%0D%0A%3Cp%3ECredit%20cards%20can%20be%20a%20useful%20tool%20to%20make%20your%20finances%20more%20convenient%20and%20help%20you%20build%20a%20good%20credit%20history%2C%20so%20long%20as%20you%20approach%20it%20with%20healthy%20financial%20habits.%3Cbr%20%2F%3E%0D%0A%3Cstrong%3E%3Cbr%20%2F%3E%0D%0AOn%20screen%20copy%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3EAsk%20Better%20Money%20Habits%3Cbr%20%2F%3E%0D%0AHow%20can%20I%20avoid%20credit%20card%20interest%3F%3Cbr%20%2F%3E%0D%0ABank%20of%20America%C2%AE%C2%A0logo%3Cbr%20%2F%3E%0D%0ABetter%20Money%20Habits%C2%AE%C2%A0logo%3C%2Fp%3E%0D%0A%3Cp%3E%3Cstrong%3EOn%20screen%20disclosures%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3EThe%20material%20provided%20in%20this%20video%20is%20for%20informational%20use%20only%20and%20is%20not%20intended%20for%20financial%20or%20investment%20advice.%3C%2Fp%3E%0D%0A%3Cp%3EBank%20of%20America%20Corporation%20and%2For%20its%20affiliates%20assume%20no%20liability%20for%20any%20loss%20or%20damages%20resulting%20from%20one%E2%80%99s%20reliance%20on%20the%20material%20provided.%20Please%20also%20note%20that%20such%20material%20is%20not%20updated%20regularly%2C%20therefore%20some%20of%20the%20information%20may%20not%20be%20current.%3C%2Fp%3E%0D%0A%3Cp%3EConsult%20with%20your%20own%20financial%20professional%20when%20making%20decisions%20regarding%20your%20financial%20or%20investment%20management.%3C%2Fp%3E%0D%0A%3Cp%3EBank%20of%20America%2C%20N.A.%20Member%20FDIC.%20Equal%20Credit%20Opportunity%20Lender.%20%C2%A9%202024%20Bank%20of%20America%20Corporation.%20All%20rights%20reserved.%3C%2Fp%3E%0D%0A%3Cp%3E%5BEnd%20of%20transcript%5D%3C%2Fp%3E%0D%0A"}]' closeTranscriptText="Close Transcript" closeDisclaimerText="Close Disclaimer" disclaimerTitle="Disclaimer" transcriptTitle="Transcript" carouselNextArrowText="Go to Next Item" carouselPreviousArrowText="Return to Previous Item" carouselDotsLabel="of" playlistItemLabel="Item {0} of {1} Play {2} video" validCloseCaptions="true" expandVideoWhenPlaying="false" posterImagePosition="center" data-video-id="1_8h5iukk9_Dominique - How can I avoid credit card interest?"> <div id="en-what-is-apr" class="uc-media__player"> </div> <div class="uc-media-transcript" aria-hidden="true" aria-expanded="false"> <div class="uc-media-transcript__header"> <button aria-label="Close Transcript" class="uc-media-transcript__close uc-media-icon-close" tabindex="-1" title="Close Transcript"></button> </div> <div class="uc-media-transcript__container" tabindex="-1"> <h3 class="uc-media-transcript__title">Transcript</h3> <div class="uc-media-transcript__text"></div> </div> </div> <script type="application/ld+json">{"@type":"VideoObject","name":"Dominique - How can I avoid credit card interest?","description":"<div>EN version<br></div>","thumbnailUrl":"https://cfvod.kaltura.com/p/4699762/sp/469976200/thumbnail/entry_id/1_8h5iukk9/version/100021","uploadDate":"2024-07-23T13:11:11-04:00","contentUrl":"https://cdnapisec.kaltura.com/p/4699762/sp/469976200/playManifest/entryId/1_8h5iukk9/format/url/protocol/https","embedUrl":"https://cdnapisec.kaltura.com/p/4699762/sp/469976200/playManifest/entryId/1_8h5iukk9/format/url/protocol/https","width":1080,"height":1920,"duration":"PT51S","transcript":"[Music in background throughout] [A Bank of America employee, Dominique, is speaking directly to camera] On screen copy: Dominique Better Money Habits Champion Dominique: So you avoid credit card interest by paying off your statement balance each month. Now, that's easier said than done, and especially if it's a new credit card or you're a new credit card user. On screen copy: Use credit cards for budgeted expenses Dominique: So what I think is a really good best practice is to use the credit card for those expenses that you've already budgeted for. So something like gas for your transportation or groceries. Those are expenses that are needs, and you should have no problem with being able to pay those off at the end of each statement period. Credit cards can be a useful tool to make your finances more convenient and help you build a good credit history, so long as you approach it with healthy financial habits. On screen copy: Ask Better Money Habits How can I avoid credit card interest? Bank of America庐 logo Better Money Habits庐 logo On screen disclosures: The material provided in this video is for informational use only and is not intended for financial or investment advice. Bank of America Corporation and/or its affiliates assume no liability for any loss or damages resulting from one鈥檚 reliance on the material provided. Please also note that such material is not updated regularly, therefore some of the information may not be current. Consult with your own financial professional when making decisions regarding your financial or investment management. Bank of America, N.A. Member FDIC. Equal Credit Opportunity Lender. 漏 2024 Bank of America Corporation. All rights reserved. [End of transcript]","@context":"http://schema.org"}</script> </uc-media> </div> </div> <div class="uc-modal__overlay"></div> </uc-modal> </div> <div class="aem-wrap--spotlight-content-tile section"> <div class="spotlight-content-tile spotlight-content-tile--video "> <a href="#" data-uc-modal-action="open" data-uc-modal-id="three-video-modal" class="mosaic-item--Vertical-video-dimensions js-mosaic-item js-mosaic-item--filler mosaic-item--featured-true t-track-content-tile js-content-tile-video " aria-label="How do I Choose A Credit Card?" data-subtopic="choosing-a-credit-card" data-position="3"> <div class="Modal mosaic-item mosaic-item--Vertical-video"> <div class="mosaic-item__image mosaic-item__image--video " style="background-image: url(/content/dam/bmh/mosaic-images/credit/vertical-how-to-choose-creditcard.png)"></div> <div> <h3 class="mosaic-item__title mosaic-item__title--Vertical-video">Ask Better Money Habits: How do I Choose a Credit Card?</h3> <p class="mosaic-item__cta mosaic-item__cta--Vertical-video"> <i class="icon icon--Video mosaic-item__icon mosaic-item__icon--Video" aria-hidden="true"></i> <span class="cta-text">Watch video</span> </p> </div> </div> </a> </div> </div> <div class="aem-wrap--modal section"> <uc-modal version="v1_3.10.1-ENT-6" class="uc-component modal--video " tabindex="-1" role="dialog" id="three-video-modal" aria-modal="true" aria-hidden="true" modal-theme="black" variant="video" modalPosition="top"> <div class="uc-modal"> <div class="uc-modal__content uc-modal__content--video-max-w" style="--video-max-w: min(80vw, 330px);"> <button class="uc-modal__close" data-uc-modal-action="close" aria-label="Close video modal"> <uc-icon role="img" class="uc uc-icon uc-icon-action-close uc-icon--white"></uc-icon> </button> <uc-media version="v1_3.10.1-ENT-6" class="uc-component uc-media" data-action="unityMedia" buttonAnimation="false" buttonPosition="center" disclaimerText="<p><em>The material provided on this website is for informational use only and is not intended for financial or investment advice. Bank of America Corporation and/or its affiliates assume no liability for any loss or damage resulting from one鈥檚 reliance on the material provided. Please also note that such material is not updated regularly and that some of the information may not therefore be current. Consult with your own financial professional when making decisions regarding your financial or investment management. 漏2025 Bank of America Corporation.</em></p> " entryId="1_9nd5lsvs" infiniteCarousel="false" isAudio="false" isAuthorMode="false" isPlaylist="false" isVertical="true" partnerId="4699762" playerId="51133253" playlistAutoContinue="false" playlistFilter="false" playlistTheme="black" showDisclaimer="true" theme="red" transcriptText='[{"id":"1_9nd5lsvs","transcript":"%3Cp%3E%5BMusic%20in%20background%20throughout%5D%3C%2Fp%3E%0D%0A%3Cp%3E%5BA%20Bank%20of%20America%20employee%2C%20Courtney%2C%20is%20speaking%20directly%20to%20camera%5D%3C%2Fp%3E%0D%0A%3Cp%3E%3Cstrong%3EOn%20screen%20copy%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3ECourtney%3Cbr%20%2F%3E%0D%0ABetter%20Money%20Habits%20Champion%3C%2Fp%3E%0D%0A%3Cp%3ECourtney%3A%3Cbr%20%2F%3E%0D%0AChoosing%20the%20right%20card%20for%20you%20is%20really%20a%20personal%20decision%20and%20part%20mathematic%20equation%20and%20part%20personality%20test.%3C%2Fp%3E%0D%0A%3Cp%3EThe%20first%20thing%20that%20I%20always%20like%20to%20ask%20people%2C%20are%20you%20okay%20paying%20an%20annual%20fee%3F%3C%2Fp%3E%0D%0A%3Cp%3E%3Cstrong%3EOn%20screen%20copy%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3EIs%20a%20fee%20worth%20it%20to%20you%3F%3C%2Fp%3E%0D%0A%3Cp%3EThere%20are%20some%20cards%20out%20there%20that%20charge%20an%20annual%20fee%2C%20and%20it%27s%20up%20to%20you%20whether%20or%20not%20you%20think%20the%20rewards%20that%20you%20might%20get%20from%20a%20card%20are%20worth%20it.%3C%2Fp%3E%0D%0A%3Cp%3E%3Cstrong%3EOn%20screen%20copy%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3EWill%20you%20pay%20off%20your%20balance%20every%20month%3F%3C%2Fp%3E%0D%0A%3Cp%3ENext%20up%2C%20you%20need%20to%20look%20at%20whether%20or%20not%20you%27re%20going%20to%20pay%20your%20balance%20in%20full%20every%20month.%3C%2Fp%3E%0D%0A%3Cp%3EIf%20you%20are%2C%20you%20might%20be%20able%20to%20look%20at%20cards%20that%20start%20off%20with%20higher%20interest%20rates%20because%20you%20won%27t%20be%20paying%20interest%20on%20it%20anyway%2C%20and%20they%20could%20offer%20you%20different%20rewards.%3C%2Fp%3E%0D%0A%3Cp%3EHowever%2C%20if%20you%20need%20a%20little%20bit%20of%20time%20to%20pay%20it%20off%2C%20you%20might%20need%20a%20card%20that%20has%20a%20lower%20interest%20rate.%20Otherwise%2C%20those%20rewards%20that%20they%20offer%20might%20come%20at%20a%20pretty%20steep%20cost.%3C%2Fp%3E%0D%0A%3Cp%3E%3Cstrong%3EOn%20screen%20copy%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3EHow%20much%20do%20you%20value%20rewards%3F%3C%2Fp%3E%0D%0A%3Cp%3ESome%20cards%20offer%20rewards%20like%20vacations%2C%20airline%20miles%2C%20concert%20tickets%2C%20or%20even%20cash%20back.%20Keep%20in%20mind%20some%20cards%20also%20offer%20benefits%20that%20aren%27t%20quantifiable%2C%20like%20status%20or%20first%20in%20line%20for%20things.%3C%2Fp%3E%0D%0A%3Cp%3ELook%20at%20all%20of%20it%20together.%20Decide%20whether%20or%20not%20you%27re%20okay%20paying%20the%20annual%20fee%20for%20the%20tradeoff%20of%20the%20rewards.%20Decide%20how%20much%20interest%20you%27re%20going%20to%20be%20paying.%3C%2Fp%3E%0D%0A%3Cp%3EAnd%20then%20finally%20just%20pay%20all%20of%20your%20bills%20on%20time.%20No%20matter%20what%20card%20you%20choose.%3C%2Fp%3E%0D%0A%3Cp%3E%3Cstrong%3EOn%20screen%20copy%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3EAsk%20Better%20Money%20Habits%3Cbr%20%2F%3E%0D%0AHow%20do%20I%20choose%20a%20credit%20card%3F%3Cbr%20%2F%3E%0D%0ABank%20of%20America%C2%AE%C2%A0logo%3Cbr%20%2F%3E%0D%0ABetter%20Money%20Habits%C2%AE%3C%2Fp%3E%0D%0A%3Cp%3E%3Cstrong%3EOn%20screen%20disclosures%3A%3Cbr%20%2F%3E%0D%0A%3C%2Fstrong%3EThe%20material%20provided%20in%20this%20video%20is%20for%20informational%20use%20only%20and%20is%20not%20intended%20for%20financial%20or%20investment%20advice.%3C%2Fp%3E%0D%0A%3Cp%3EBank%20of%20America%20Corporation%20and%2For%20its%20affiliates%20assume%20no%20liability%20for%20any%20loss%20or%20damages%20resulting%20from%20one%E2%80%99s%20reliance%20on%20the%20material%20provided.%20Please%20also%20note%20that%20such%20material%20is%20not%20updated%20regularly%2C%20therefore%20some%20of%20the%20information%20may%20not%20be%20current.%3C%2Fp%3E%0D%0A%3Cp%3EConsult%20with%20your%20own%20financial%20professional%20when%20making%20decisions%20regarding%20your%20financial%20or%20investment%20management.%3C%2Fp%3E%0D%0A%3Cp%3EBank%20of%20America%2C%20N.A.%20Member%20FDIC.%20Equal%20Credit%20Opportunity%20Lender.%20%C2%A9%202024%20Bank%20of%20America%20Corporation.%20All%20rights%20reserved.%3C%2Fp%3E%0D%0A%3Cp%3E%5BEnd%20of%20transcript%5D%3C%2Fp%3E%0D%0A"}]' closeTranscriptText="Close Transcript" closeDisclaimerText="Close Disclaimer" disclaimerTitle="Disclaimer" transcriptTitle="Transcript" carouselNextArrowText="Go to Next Item" carouselPreviousArrowText="Return to Previous Item" carouselDotsLabel="of" playlistItemLabel="Item {0} of {1} Play {2} video" validCloseCaptions="true" expandVideoWhenPlaying="false" posterImagePosition="center" data-video-id="1_9nd5lsvs_How do I choose a credit card?"> <div id="en-how-do-i-choose-a-credit-card" class="uc-media__player"> </div> <div class="uc-media-transcript" aria-hidden="true" aria-expanded="false"> <div class="uc-media-transcript__header"> <button aria-label="Close Transcript" class="uc-media-transcript__close uc-media-icon-close" tabindex="-1" title="Close Transcript"></button> </div> <div class="uc-media-transcript__container" tabindex="-1"> <h3 class="uc-media-transcript__title">Transcript</h3> <div class="uc-media-transcript__text"></div> </div> </div> <script type="application/ld+json">{"@type":"VideoObject","name":"How do I choose a credit card?","description":"No description","thumbnailUrl":"https://cfvod.kaltura.com/p/4699762/sp/469976200/thumbnail/entry_id/1_9nd5lsvs/version/100011","uploadDate":"2024-10-02T10:21:41-04:00","contentUrl":"https://cdnapisec.kaltura.com/p/4699762/sp/469976200/playManifest/entryId/1_9nd5lsvs/format/url/protocol/https","embedUrl":"https://cdnapisec.kaltura.com/p/4699762/sp/469976200/playManifest/entryId/1_9nd5lsvs/format/url/protocol/https","width":1080,"height":1920,"duration":"PT1M40S","transcript":"[Music in background throughout] [A Bank of America employee, Courtney, is speaking directly to camera] On screen copy: Courtney Better Money Habits Champion Courtney: Choosing the right card for you is really a personal decision and part mathematic equation and part personality test. The first thing that I always like to ask people, are you okay paying an annual fee? On screen copy: Is a fee worth it to you? There are some cards out there that charge an annual fee, and it's up to you whether or not you think the rewards that you might get from a card are worth it. On screen copy: Will you pay off your balance every month? Next up, you need to look at whether or not you're going to pay your balance in full every month. If you are, you might be able to look at cards that start off with higher interest rates because you won't be paying interest on it anyway, and they could offer you different rewards. However, if you need a little bit of time to pay it off, you might need a card that has a lower interest rate. Otherwise, those rewards that they offer might come at a pretty steep cost. On screen copy: How much do you value rewards? Some cards offer rewards like vacations, airline miles, concert tickets, or even cash back. Keep in mind some cards also offer benefits that aren't quantifiable, like status or first in line for things. Look at all of it together. Decide whether or not you're okay paying the annual fee for the tradeoff of the rewards. Decide how much interest you're going to be paying. And then finally just pay all of your bills on time. No matter what card you choose. On screen copy: Ask Better Money Habits How do I choose a credit card? Bank of America庐 logo Better Money Habits庐 On screen disclosures: The material provided in this video is for informational use only and is not intended for financial or investment advice. Bank of America Corporation and/or its affiliates assume no liability for any loss or damages resulting from one鈥檚 reliance on the material provided. Please also note that such material is not updated regularly, therefore some of the information may not be current. Consult with your own financial professional when making decisions regarding your financial or investment management. Bank of America, N.A. Member FDIC. Equal Credit Opportunity Lender. 漏 2024 Bank of America Corporation. All rights reserved. [End of transcript]","@context":"http://schema.org"}</script> </uc-media> </div> </div> <div class="uc-modal__overlay"></div> </uc-modal> </div> </div> </div> </div> <div class="js-priorities-widget-container "></div> <div> <div class="aem-wrap--interstitial"> <div class="interstitial js-interstitial" data-action="interstitial" role="dialog" aria-hidden="true" data-includelangurls="[]" data-excludeurls="["bankofamerica.com","ml.com","merrilledge.com","bettermoneyhabits.com","https://www.pbig.ml.com","https://www.ml.com","https://promotions.bankofamerica.com/","https://business.bofa.com/en-us/content/global-privacy-notices"]" data-excludelangurls="[]" data-exclude-containers="onetrust-consent-sdk"> <div class="overlay js-overlay-interstitial"></div> <div class="interstitial__container js-interstitial-container"> <div class="js-contents" data-external-copy="<h2>You're continuing to another website</h2> <p>You're continuing to another website that Bank of America doesn't own or operate.聽Its owner is solely responsible for the website's content, offerings and level of security, so please refer to the website's posted privacy policy and terms of use. It's possible that the information provided in the website is available only in English.</p> " data-internal-copy="<h2>Va a ir a una p谩gina que podr铆a estar en ingl茅s</h2> <p>Es posible que el contenido, las solicitudes y los documentos asociados con los productos y servicios espec铆ficos en esa p谩gina est茅n disponibles solo en ingl茅s. 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