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financial literacy educationFinancial Literacy Education

A lack of understanding of personal finances puts people at-risk of making financial missteps. Language, lack of knowledge of the banking system, misinformation and cultural differences make people vulnerable to fraud. Understanding credit reports, safe credit card usage, and other personal finance information better prepares consumers to make informed financial decisions and allow them to safely participate in our State’s economy.

Understanding your Credit Report & Credit Score
A bad credit history can affect the credit that is made available to you, the cost of that credit and can even cause you to be denied credit completely. Learn more about your credit score. Courtesy of the New York State Department of Financial Services.

Using Cards Wisely
There are many types of cards out there that can be used to make purchases: credit cards, debit cards, gift cards, store cards, etc. Learn more about each and what you need to know about using them wisely. Courtesy of the New York State Department of Financial Services.