Financial products

• A secured credit card requires a deposit — usually the same amount as your credit limit.
• It’s great for building or rebuilding your credit score from scratch.
• If you manage it well, you may upgrade to a regular card without a deposit.
• Always pay in full monthly to avoid interest and boost your credit.

👉 A secured credit card is your stepping stone to bigger financial opportunities.

• A mortgage is a loan you use to buy property, like a house or apartment.
• You usually pay it back over 15–30 years with monthly payments.
• If you don’t pay, the bank can take back the house (called foreclosure).
• Fixed-rate mortgages lock your rate; variable ones can change over time.

👉 A mortgage makes homeownership possible — but only with careful planning.

• A credit builder app helps you build a credit history — even if you’ve never had a loan or card.
• You “borrow” a small amount held in a savings account — then repay it monthly.
• Each payment is reported to credit bureaus — boosting your credit score over time.
• Great for first-timers, gig workers, or anyone rejected by regular banks.

👉 A credit builder app turns small steps into long-term financial trust.

• A credit card lets you borrow money from a bank to pay for things, up to a limit.
• If you pay the full amount every month, you may avoid interest.
• If you only pay a little, interest adds up fast — and it’s expensive.
• Best used for emergencies or planned purchases — not for “vibes and impulse.”
• Read terms and conditions precisely, the devil is in the details.

👉 A credit card is a useful tool — or a dangerous trap, if you don’t use it right.

• A digital wallet is an app or platform that stores your money on your phone.
• You can pay bills, send money, or buy things — without needing cash or a card.
• Some wallets let you earn cashback or rewards on spending.
• Always use a secure PIN and never share login info — scammers love sloppy users

👉 A digital wallet keeps your money where your phone is — safe, fast, and cash-free.

• A prepaid card is like a debit card — but you load money onto it first.
• No bank account needed — perfect for budgeting or online shopping.
• You can’t spend more than you load — goodbye, overdrafts!
• Great for teens, travelers, or anyone who wants control without credit risks.

👉 A prepaid card gives you the power of plastic, without the pain of debt.

• Interest is extra money added to savings or loans — it can help you or hurt you.
• When you save, interest means the bank pays you extra.
• When you borrow, interest means you pay more than you took.
• Interest is calculated as a percentage from the ammount you took or saved.

👉 Know how interest works, so your money works for you — not against you.

• A savings account keeps your money safe and separate from your spending.
• It earns you interest — so your money grows slowly over time.
• You can use it for emergencies, school fees, or big plans.
• It’s safer than keeping cash under your bed (seriously).

👉 Saving in the right place builds your future, bit by bit.