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Headed For Trouble? . . .
Are you headed for trouble with your credit cards? . . .
Take this true-or-false quiz below and see where you stand with our credit cards. Keep track of your answers. Ready? True or False?:
  1. Life would be terribly difficult if they took away my credit cards.
  2. I pay my bills on time, but have to keep using credit cards because I run out of cash between paychecks.
  3. I'd love to get a consolidation loan and pay off my charge cards.
  4. I usually borrow from friends and relatives to make ends meet each month.
  5. When I come home from shopping I usually hide what I bought from my family.
  6. The balance in my savings account is shrinking and it's hard to save money.
  7. I'm a good juggler. I can always find a way to put off paying a bill so I can pay my charge cards on time.
  8. I have at last two Visas and two MasterCards.
  9. Yes, I've used the cash advance on one credit cards to make a payment on my other credit cards.
  10. My credit card payments are eating up more than 20 percent of my monthly income.
  11. I usually pay only the minimum monthly payment on my credit cards.
  12. Someday I'll get the money to pay off all my credit cards.

Score: If you answered True to six or more you're headed for trouble. If you answered True to nine or more, you may have a serious problem. Call a loan officer at the credit union for a bill consolidation loan.

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This Credit Union is federally insured to $100,000 by the
National Credit Union Administration.

Equal Housing Lender: We do business in accordance with 
the Fair Housing Law and the Equal Credit Opportunity Act.

Bakers Federal Credit Union
Omaha, Nebraska