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 Good Credit Card Habits Pay the full balance each month. If you can't, create a plan to pay it off. Pay on time to avoid raised interest rates. Watch the interest rate. Most cards offer a variable rate, which fluctuates. Rates can change with just 15 days notice. If you lose your card, contact the issuer immediately.

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