Any financial advisor will tell you that credit card debt should be avoided – and that’s good advice as it can have significant negative consequences on your financial health and overall well-being. However, used responsibly, a credit card can be a powerful tool to enhance your financial wellbeing rather than a means of living beyond your means.

Here are some ways you can maximize the upside of your Chartway Visa® Credit Card while avoiding the potential downsides of overspending:

  • Build your credit history or improve your credit score by making small purchases and consistently paying off the balance in full and on time. You’ll demonstrate that you’re financially responsible, which can be helpful when you apply for loans or other forms of credit in the future.

  • Give yourself options in case of unexpected emergencies, such as medical expenses or urgent car repairs. You’ll have a temporary financial buffer until you can secure other funding or while you wait for insurance payments to come through.

  • Apply for our rewards card and earn on everyday spending for groceries, gas, dining out, etc. You’ll save money when you redeem your rewards to book flights or hotel stays, for cash or gift cards, or when you choose from more than 1,500 items in our merchandise catalog.

  • Consolidate debt at a lower interest rate. With balance transfers of higher cost debt, you’ll save money on interest payments over time.

The benefits you create with smart credit management, along with valuable perks like no annual fee, our zero-liability policy, contactless payment, and global ATM access, mean you should use your Visa® Credit Card every time you make a purchase. Visit to learn more or apply online.