Question 1

What is the difference between statement balance and current balance?

Accepted Answer

The statement balance is what you owed at the end of your last billing cycle, while the current balance is what you owe right now, including any new charges or payments since the statement date. Pay the statement balance by the due date to avoid interest; the current balance reflects real-time activity.

Question 2

Are all banks FDIC insured?

Accepted Answer

Most U.S. banks are FDIC insured, but credit unions have similar NCUA insurance. Always verify a bank's FDIC membership at fdic.gov. Investment products like stocks and mutual funds are not FDIC insured.

Question 3

How can I improve my credit score?

Accepted Answer

Pay bills on time, keep credit utilization below 30%, don't close old accounts, limit new credit applications, dispute errors on credit reports, diversify credit types, and maintain consistent payment history over time.

Question 4

What is the difference between secured and unsecured loans?

Accepted Answer

Secured loans require collateral (house, car) and offer lower rates because the lender can seize assets if you default. Unsecured loans have no collateral, higher interest rates, and approval based primarily on creditworthiness.

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Frequently Asked Questions

What is the difference between statement balance and current balance?

Are all banks FDIC insured?

How can I improve my credit score?

What is the difference between secured and unsecured loans?

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