Educational Resources

What is a good credit score?

For a score with a range between 300-850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Read more


What is a good Vantage score?

Scores by VantageScore are also types of credit scores that are commonly used by lenders. The VantageScore was developed by the 3 major credit bureaus including Experian, Equifax, and TransUnion. The latest VantageScore 3.0 model uses a range between 300 and 850. A VantageScore above 700 is considered to be good, while above 750 is considered to be excellent. Read more


Why do credit scores matter?

Having good credit is important, because it determines whether you’ll qualify for a loan.Read more


What factors affect my credit score?

The information that impacts a credit score varies depending on the scoring model being used. For examples: Read more


How can I improve my credit score?

There are several ways to improve your credit score. But it’s much more important to focus on improving what’s in your credit report rather than obsessing over your credit score.Read more




*Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who applies for a card account. What this means for you: When you apply for a card account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time.

FIT, Verve, Cerulean, and Matrix - MasterCard® and the MasterCard acceptance mark are service marks used by Mid America Bank & Trust Company under license from MasterCard International. Cards are issued by Mid America Bank & Trust Company and serviced by Continental Finance Company.

Reflex and Surge - MasterCard® and the MasterCard acceptance mark are service marks used by Celtic Bank under license from MasterCard International. Cards are issued by Celtic Bank and serviced by Continental Finance Company.