Credit Card Basics

APR, interest payments, identity theft – there’s a lot to navigate when you have a credit card. Luma explains some credit card basics so you can use your credit card responsibly and safely.

• Credit Cards – From A to Z

  Having trouble understanding the fine print? Luma explains common credit card terminology in this handy glossary.

• How Credit Cards Work

  Learn how credit cards work so you can make your credit card work better for you.

• How to Manage Your Credit Card

  Managing your credit card responsibly is one of the best ways to build credit. Luma tells you how.

• Beyond Credit Cards

  Credit cards are only one financial tool. Discover the pros and cons of overdrafts, secured cards, and more.

• How to Prevent Credit Card Fraud

  Improve your card’s security with these simple dos and dont’s.

• Identity Theft Prevention Tips

  Luma offers some simple tips to help you protect yourself from identity theft.

• Staying Safe Online

  Whether you’re shopping or managing your finances online, follow these tips from Luma to avoid some common internet security pitfalls.