Chances are you have at least one credit card – – nearly 80% of American adults do. Besides charging a lot of interest, many know that credit cards impact your credit score, but in what ways? On this episode, we discuss some of the real effects to your credit score when you open a new card, close an old one, or transfer a balance. We also look at other factors that can make your credit score move down, or move up!

SHOW  3:  

According to NerdWallet’s analysis of U.S. household debt in late 2018, the average U.S. household with credit card debt has an estimated $6,929 in revolving balances carried from one month to the next.

  • Common pitfalls to credit card debt
  • Is there a right time to start using credit cards
  • What is the biggest factors that affect credit cards
  • Key factors that influence your credit scores
  • Easiest ways to improve credit scores
  • What is the biggest myth about credit scores
  • Credit Card consolidation
  • For someone starting out what is the best thing to start you on the path to good credit.

Call-In Live (219) 769-9577, message us on Facebook @LakeshorePBS or email us anytime at with questions for the experts.



Host Bio:
Anthony (Tony) Sindone

Anthony (Tony) Sindone is a Clinical Assistant Professor of Finance and Economic Development at Purdue University Northwest, additionally he is the Director of the Professional MBA Program and the Director of the Center for Economic Development and Research.

He holds an MA degree in economics from Notre Dame with concentrations in labor economics and public policy. He has completed all the necessary course work for the Ph.D. Prior to Purdue, he served on the faculties of Indiana University South Bend and the University of Notre Dame.



Guest Bio:
Stephanie Madison

Stephanie Madison is the Community Market Director at First Merchants Corporation. Stephanie has over 20 years of experience in the financial services industry within Northwest Indiana. As the Community Market Director, Stephanie grows new business in the consumer and commercial sectors. Stephanie is also responsible for representing the bank through board participation and event attendance, she also supports and facilitates financial literacy efforts within the region.

Stephanie holds an associate degree in women’s studies from Purdue Northwest, along with a B.A. in Organizational Management from St. Joseph’s of Calumet College. Stephanie is currently working toward her MBA at Lamar University. Stephanie resides in Whiting with her daughters and husband. She currently serves on the steering committee for the Lakeshore Professional Women’s Conference.



Guest Bio:
Tiffani Davis

Tiffani Davis is the Vice President, Retail Sales and Experience Manager at Centier Bank. Beginning her banking career over 20 years ago as a part-time teller, she worked her way up to manage various bank branches and served as regional manager for twelve In-Store offices.  In her current role, she is responsible for frontline sales training, retail business development and the overall client experience. Through these areas, Tiffani is able to transform the working environment for associates and catapult clients into a secure financial future.

Tiffani received her BA in Public Relations and Advertising from University of St. Francis and her MBA in Management from Indiana Wesleyan University. With an eye toward the community, she serves at her church and volunteers with numerous organizations.


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