随着夏天的结束，许多西密歇根州的居民正准备回学校. 这意味着购买学习用品、服装、电子产品甚至新车.

返校季是全年消费总额第二大的购物季, second only to the holiday season. 今年, 29 million back-to-school shoppers will spend $27.6 billion this year or $510 per household, compared to $501 per household last year, 根据一项新的研究 报告 由德勤.

为了吸引购物者，许多零售商都在提供特价和折扣. 他们还推广商店信用卡，为购物者提供折扣和积分等奖励，用于未来的购物. 零售商明白，许多消费者想用信用卡购买返校商品. 今年, according to the Deloitte 报告, 44%的消费者将使用信用卡进行返校购物, while 57% will use their debit cards. x一代最有可能使用信用卡，而千禧一代更喜欢使用借记卡.

以帮助资助回学校购物和利用交易, 一些购物者——包括父母和青少年——从零售商那里注册了新的信用卡, as well as banks and credit unions. While many of these cards offer favorable interest rates, perks and customer support, 消费者在申请信用卡并开始收费之前仍应仔细考虑.  一些信用卡的收费很高，利率很高，罚款也很重.

To protect yourself and choose the best card for you, 以下是申请信用卡时需要考虑的一些问题:
 

• 起始年利率是多少?到期后，利率是多少?
• Is there an annual fee?  
• 你能转账吗?如果可以的话，那笔钱的利率是多少?
• What is your spending limit?
• What kind of rewards or perks are associated with the card?
• Can you carry a balance and, if so, what are the interest rates?
• Is there a penalty for late payments?
• 当你旅行时，或者当你的卡丢失或被盗时，有什么保护措施? 

At Arbor Financial Credit Union, 我们已经要求我们的会员分享他们对信用卡的首要任务和担忧. With that feedback in mind, we’ve designed 两张Visa卡 that give our members maximum perks, flexibility and security. Our Arbor Financial’s Visa Rewards card offers serious perks, 而我们的VISA优惠卡是全球利率最低的信用卡之一.

To keep your account secure, 我们的奖励卡和优惠卡都配备了加密芯片技术，提供额外的保护. If your card is lost or stolen, call us immediately at 269.375.6702 or 800.442.7340.  If you’re travelling, give us a call in advance, and let us know you’ll be using your card in another location. 这种方式, 您可以继续使用您的卡，您的卡不会被标记或阻止，直到您的授权得到确认.

We understand our members want seamless, 在移动设备和网上使用信用卡的安全方式, so our credit cards are integrated with the Samsung Pay, 苹果支付, Visa Checkout and Pay apps. No need to swipe or insert your card!

Here are some highlights:

Arbor Financial VISA奖励卡

For members seeking easy-to-use rewards, 我们的Visa积分卡允许会员累积积分，积分积分可以兑换回现金, 礼品卡, merchandise or travel rewards. 你会在所有的购买中获得积分，有些类别会增加你的积分:旅行和餐馆可以获得3分, and 2x points for gas and groceries. 

Until September 31, 2018, Arbor Financial is offering a low 2.99% APR for six months on balance transfers. 购买的常规利率在年利率11%到18%之间.

激活您的帐户后，您将获得2500积分. 如果您转账余额，您也将有资格获得该金额的奖励积分. 为了获得额外的500分，注册电子报表，实现无纸化!

Arbor Financial VISA 利用卡片

For incredibly low interest rates, members can opt for our Advantage card, which offers rates for purchases between 7.75% APR and 17% APR. Until September 31, 2018, Arbor Financial is offering a low 2.99% APR for six months on balance transfers. Sign up for electronic statements and earn a $5 credit.

Credit card users can choose from hundreds of options, 回到学校是考虑你的卡片如何为你工作的好时机. Ready to learn more about Arbor Financial's credit cards?应用 在线 or visit us at one of our branches today.