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Credit and Debit Cards

Credit cards and debit cards questions and answers.

What types of loans do you offer?

December 9, 2019 by First Choice Support

First Choice FCU of New Castle PA has created an evolving list of loans and loan services to better serve our membership.

If I’m shopping online is it better to use my credit card or my debit card to make purchases?

November 14, 2019 by First Choice Support

Shopping online is a given when it comes to the holiday season, and out of it. Is it better to use your credit card or your debit card to make purchases?

When is ok to finance a purchase through credit, or more debt?

November 6, 2019 by First Choice Support

All debt might seem bad. But there are situations that arise when getting a loan or a line of credit, while making debt, also might be for the best.

How do you determine your net worth?

November 4, 2019 by First Choice Support

Determining your net worth gives you a great example of where your money health is at, and the path you need to go to meet your financial goals.

I am about to help my child start building their credit with a credit card and a car loan – is this right or wrong?

October 2, 2019 by First Choice Support

Helping your child develop into a financially stable adult can be difficult. Is a good idea to help them with credit cards and a loan, or no?

How do I start to repair my credit?

September 26, 2019 by First Choice Support

If you need to repair your credit, you need to be prepared for some time investment. Whether you do it on your own or hire a counseling service, you will need to put in some work.

My wife’s a saver, I use credit cards. How can we align our financial goals?

September 23, 2019 by First Choice Support

So your wife is a saver, and you only use credit cards. You do not have debt, but you want your financial goals to align better? There is one thing that works every time.

What is cash back on credit cards?

August 19, 2019 by First Choice Support

Credit cards usually offers perks for you joining their programs. Cash back on purchases is on credit card perk – and we talk about it today.

How many credit cards should I have?

July 31, 2019 by First Choice Support

Credit card ownership and use is a main part of daily life for many. However, the proper use of credit and credit cards should be clear – including, how many to own?

I’ve done everything I think I can…why isn’t my credit score improving?

July 15, 2019 by First Choice Support

Your credit score is a complex equation – one that defines how much credit you can get, if any. Rebuilding and building credit can be a pain. Find out more…

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Who we are…

Originally chartered in 1952, First Choice has called Lawrence County its home for over 65 years! We are your neighbors, co-workers, volunteers, students and congregation. This website was created to give back to the community, by showcasing free information for all of your needs.

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For you! The family at First Choice wanted to build a central location that our community could get answers to their financial questions and needs. We wanted to create guides, articles, downloads, checklists, tutorials and more. By giving you the best strategies and tips to get more for your money, we hope to make our community much, much better.

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Recent articles

  • Winter 2021 – First Choice Federal Credit Union Quarterly Newsletter January 8, 2021
  • Avoid Getting Scammed Out Of Your Money In New Castle PA December 7, 2020
  • Fall 2020 – First Choice Federal Credit Union of New Castle PA Newsletter October 19, 2020
  • Why is my credit score so different in different places? September 1, 2020
  • Summer 2020 – First Choice Federal Credit Union Newsletter July 1, 2020

Contact First Choice


  • Main branch - 2209 West State Street

    (724)652-8393

  • Neshannock Office - 2810 Wilmington Road

    (724) 652-8070

  • New Castle Office - 1144 Butler Avenue

    (724) 656-3595
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Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 724-652-8393 for assistance. Products and services available on this website are available at our office located at 2209 W State Street – New Castle, PA 16101.