Los Angeles Federal Credit Union Click to Access Credit Counseling & Loan Programs Info.   Click to Access Your Accounts Online with e-Branch     INTRODUCTION •   SET GOALS   DETERMINE YOUR NEEDS   BUILD A PLAN   FIND THE RIGHT CARD   IMPROVE YOUR CREDIT RATING   REDUCE DEBT   REACH OUT Credit cards operate a bit differently. Unlike a set monthly car payment, monthly credit card payments can vary based on the outstanding balance. Low minimum payments allow you to take four years to pay off last night's dinner out—making it much more expensive. And high credit limits make it all too easy to slip into deep debt.

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