The holidays are here. And while they bring a lot of joy, they can also bring a lot of spending.
Before you start making your list and checking it twice, we put together a list of ways to help you spend smart this season. From earning reward points and cash back on purchases when you use your VyStar Visa® credit card to protecting your finances against fraud, we’re here to help you have a wonderful holiday season.
Set a Budget
First and foremost, set a number for your budget. It needs to be a realistic goal, so take some time to assess your main areas of purchasing. Breaking this down provides a visual to keep you aware of your budget. You might also consider setting some money aside just in case. It's important to set this limit to be prepared for what you can spend and keep yourself accountable when it's time to start shopping.
Consider a Holiday Savings Account
To assist you in creating a budget, VyStar offers a Holiday Savings Account, which provides a place for you to set money aside for the holidays. This account has the flexibility for you to deposit as much as you want, when you want, with no minimum balance and no maintenance or withdrawal fees.
Swipe and Save
Using your VyStar Visa credit card this holiday season will help you earn valuable rewards and cash back on all of your purchases including groceries for the big feast, gas for your travel and gifts for your loved ones. To make your shopping experience easier, use your digital wallet. We support Apple Pay®, Samsung Pay®, Google Pay™, Click to Pay, Fitbit Pay™, and Garmin Pay™. This convenient tool makes shopping experiences faster and limits the possibility of dropping or leaving your card at a retailer’s location.
Protect Your Finances
It is important to take extra precautions and be mindful of holiday scams. Some tips to avoid fraud include:
Being aware of fraudulent shopping websites
Verifying the security of a website
Using tap-to-pay with your VyStar Visa credit and debit card
VyStar Visa credit and debit cards have EMV chip technology, which provides an extra layer of protection against fraud when you use your card at chip-enabled payment terminals and ATMs. Continue to use our Online & Mobile Banking to monitor your accounts, keep track of purchases and receive account alerts. Learn more on our Fraud Protection page.
Earn a cash bonus on your spending
Before you kick off your holiday spending, open a new VyStar Visa Signature Cash Back credit card and get $150 cash bonus for spending at least $1,500 in the first 60 days from account opening*. This is an easy way to earn money back on what you already plan to spend.
Plan Ahead
It's never too early to start preparing for next year. Use this time to learn and see what methods of payment and saving work best for you. There is always room for growth and learning. At VyStar we are here to help at any time of the year. If you have any questions or need to find more information, you can contact the VyStar team.