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Strike a Balance

Build a good credit profile. Access to credit can help you finance a home, car or education. But beware of too much of a good thing. Learn how to manage your debt so that it's a help, not a hindrance.

Have a Plan

When it's time to finance an opportunity, college education or renovate a kitchen, be sure to take the time to examine your financial situation and what amount of debt you're comfortable taking on. Commit to writing your plan down on paper to ensure that you fully prepare.

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Stick to a Budget

Find the balance between building good credit and becoming burdened by debt. Know what you’re spending on your credit accounts each month. If monthly non-housing payments are creeping toward 20 percent of your monthly income, your debt load may be too high.

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This information is general in nature and is provided for educational purposes only. Regions makes no representations as to the accuracy, completeness, timeliness, suitability, or validity of any information presented. Information provided should not be relied on or interpreted as accounting, financial planning, investment, legal, or tax advice. Regions encourages you to consult a professional for advice applicable to your specific situation.

Banking products and services are provided by Regions Bank.