Heritage Federal Credit Union Use your card, get rewards!   View Our Low APR     INTRODUCTION   SET GOALS •   DETERMINE YOUR NEEDS   BUILD A PLAN   FIND THE RIGHT CARD   IMPROVE YOUR CREDIT RATING   REDUCE DEBT   REACH OUT Now pick your first goal. Logically, you'd tackle your top goal first. If you're new to working toward goals, consider a short-term goal first. After a couple of successes, tackle tougher goals.

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