Log in
Managing Debt
Keep Your Debt Under Control
Having debt isn’t always a bad thing. In fact, if you use debt to your advantage, you’ll be able to raise your credit score, obtain more spending tools, and improve your overall financial wellness. And if you’re already a Citadel member, you can use our Free Credit Score Monitoring tool to view your score and see how your debt is affecting it.
Debt Management Strategies
Browse More Tactics for Paying Down Debt
What is Debt Consolidation
If you’re struggling to pay off multiple debts, consolidating them into one payment with a loan may help. Learn how.
What Affects Your Credit Score
Learn how your credit score is calculated, what factors affect it, and measures you can take to mitigate score drops.
Improve Your Financial Standing
Learn the best ways to reduce high interest debt without affecting your credit score or living paycheck to paycheck.
Citadel’s Tip: Use Credit Cards Correctly
There is a lot of negative thinking around credit cards because it is easy to fall into unmanageable debt when using them. However, if used correctly, credit cards are a great financial wellness building tool and give you more purchasing power.
Just remember to pay the balance in full every month if you can. If you can’t, refrain from using your credit card until you can wipe the balance.