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Credit can be a complex subject that can give rise to many questions. We have tried to answer the most common ones here — but if you still need to know more, please contact a credit specialist.

Frequently asked questions about credit

What is a line of credit — and why should you have one? What happens when you co-sign a loan, how can you reduce your debt load, what can you do if you're having trouble paying all your debts?

How do interest rates work?

Who sets interest rates — and how can you get the lowest rate on your credit?

What is a credit rating?

How do you establish a credit rating — and how can you maintain a good rating?

Questions About the Approval Process

What does the Bank consider — and how can you increase the likelihood of being approved?

Frequently asked questions about car loans

How can you get the most car for your money? Is there a car loan with the low monthly payments of a lease?