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Debt & Credit

HELOC vs. Cash-Out Refinance

Deciding to upgrade your home is a big decision, but so is how you'll pay for it. Before you call the contractor, make sure you have a plan.
What's a HELOC?

A Home Equity Line of Credit (HELOC) lets you tap into the equity in your home and borrow against it for things like home improvements or other major expenses.
Infographic: Get the Facts on Debt Consolidation

There are ways everyone, in every situation, can begin to tackle their debt. The challenge is just knowing how to start.
3 Steps to Take After Identity Theft

With 16.7 million Americans being victims of fraud in 2017, take action to make sure you’re able to bounce back quickly.
Home Improvement Financing Terms

Do you know the difference between a loan or a line of credit that's secured or unsecured? You will.
Quick Guide to Financing Home Improvements

If you decide to finance a home improvement, you may have lots of options. Let’s break it down.
Q&A: How can I pay for a home renovation?

Looking to tackle a big home project? Learn what financing options are available before undertaking a renovation with a big price tag.
Developing an Effective Negotiation Strategy

The idea of haggling over a price may make your stomach churn, but this isn't your only option. With online resources and a little ingenuity, you can be better informed before you sign on the dotted line.
What to do Before You Buy a Car

It's worth it to take the time to research and plan your purchase. It's easier than you might think.
5 Things You Need to be Approved for a Loan

Applying for a loan? Here are five things you need to know before visiting your banker.
Q&A: What to Know Before Buying a Boat or RV

It’s important to understand how this luxury purchase differs from buying a car. Learn answers to common questions about what buyers should consider.
Boating Trends: What You Should Know

Consider some of the latest trends before you invest in a high-end boat.
RV Trends: What You Should Know

Before you invest in a recreational vehicle or motor home, be sure to consider some of the latest trends.
Infographic: Physician Loan - A Bridge to Financial Confidence

High education and startup costs shouldn’t be a hurdle for new physicians and residents.
The Financial Option Prescribed for New Physicians

The flexibility of physician loans may help reduce stress and enable financial confidence as physicians begin their careers.
Credit vs. Debit: Make the Most of the Cards You Carry

Credit and debit cards may look nearly identical—and do a lot of the same things—but understanding their differences can help you spend smarter and save money.
Have a Rewards Card? Avoid These 5 Common Mistakes

Nearly one-third of cardholders never cash in their credit card rewards. Don’t be one of them.
4 Questions to Consider Before Financing a Boat or RV

Understanding the process when purchasing a boat or RV is essential. Here are some key considerations.
Obtaining a Personal Line of Credit

Opening a personal line of credit is a great way to ensure you have extra money when you need it. Make sure you know how it works—and whether you’re already a good candidate.
Debt Consolidation

If you have a lot of debt, you're not alone. Today, more and more Americans are burdened with credit card and loan payments.
Rebuilding Your Credit After Bankruptcy

Bankruptcy isn’t something you can recover from overnight, but the sooner you start rebuilding, the better off you’ll be. This guide shows you where to start.
Factors that Impact Your Credit Score

If you’re seeking credit or loans, improving your credit score can lower your interest rates. Here’s how.
How Can Divorce Affect Your Credit Score?

Divorce is always difficult, but with the proper planning, you can minimize its impact on your credit and financial standing. Here’s what you need to know.
Five Tips for Paying Off Debt with Your Partner

Read these five tips to help pay down debt and address money issues in marriage.
6 Ways to Improve Your Credit Score

Not only does your credit score determine if a lender will let you borrow money, but also the amount, terms and flexibility the lender will offer you.
How to Build or Rebuild Good Credit

Looking to establish good personal credit or rebuild from a bad score? Here are some simple strategies to get your credit on track to a bright future.
Secured Credit Cards Build Good Credit

The key to creditworthiness is a history of reliable money management. Here’s how a secured credit card can help you build good financial habits and a stronger credit history.
3 Big Credit Mistakes And How to Avoid Them

Three simple strategies that will benefit your credit report and help improve your credit score.
Cutting up a Credit Card and Your Credit Score

While cutting up credit cards might make us feel more on top of our finances, it's not necessarily therapeutic for your credit score. Even cards that you don't use anymore and carry sky-high interest rates can help your credit score.
5 Secret Credit Card Superpowers

Credit cards can sometimes get a bad rap. But when used responsibly— they can be incredibly advantageous and offer perks and rewards that allow you to live your best financial life.
4 Ways to Take Advantage of Credit Card Rewards

Cash back, airline miles, points for gas ... the list goes on. Here’s what to consider when choosing a card with incentives.
Is Your New Grad Ready for a Credit Card?

When it comes to determining if college-bound kids should have their own credit cards, it’s all about learned behavior.
Can Your Family Affect Your Credit?

Taking out joint debt with your family can tie them to your credit file. Take a closer look at these three common situations.
2 Times to Talk Credit With Your Young Adult Children

When teaching your child about credit, it’s important to know how some of the decisions you make can impact your own financial outlook.
Manage Your Budget With ... Your Credit Card?

Do you know where your money is going? There’s an easy way to find out, and it’s probably already in your wallet.
Is Your Credit Card a Secret Bill-Paying Weapon?

Use your credit card as a financial management tool and say goodbye to missed bill payments.
Take Control of Debt Repayment

Here are two simple methods you can use to help you pay off your debt so you can feel confident in your finances—and build the financial future that you want.
Credit 101: Building Your Credit

More than ever, establishing a good credit history now is critical to your financial success in the future.
Video Infographic: Are You in Control of Debt?

Student loan debt is one of Gen Y’s top financial concerns, but despite the burden, many millennials have a plan to pay off debt and save for the future. See how you stack up.
Could Your Credit History Impact Your Job Hunt?

SunTrust has four things you need to know about job hunting and your credit history.
Use Card Rewards to Save on Everyday Expenses

Living on a tight budget? Here's how to make credit card rewards work harder for you.
Infographic: How to Read Your Credit Report Like a Pro

Separate yourself from the 26 percent of people who have never checked their credit. Learn how to read your credit report.
Infographic: Understand and Improve Your Credit Score

Find out how to keep on top of your credit score, also known as a FICO score, and how to improve it to ensure your access to credit and better interest rates.
How to Tackle Your Debt

Many people think of debt as a four-letter word. You shouldn’t. After all, the ability to borrow allows you to have the things you might not be able to afford otherwise.
Did You Know? One Late Bill Payment May Impact Your Credit

Miss a bill payment? It’s not the end of the world, but there are consequences. Learn the impact on your funds and your credit score.
Decoding Your Credit Report

Your credit report tells the story of your lending history. Here’s how you can make it the story potential lenders want to hear.

Calculators

Investment and Insurance Products:

Are Not FDIC or any other Government Agency Insured Are Not Bank Guaranteed May Lose Value

All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.Link opens a new window

Truist, SunTrust^®, SunTrust PortfolioView, SunTrust Robinson Humphrey^®, SunTrust Premier Program^®, AMC Pinnacle^®, AMC Premier^®, Access 3^®, Signature Advantage Brokerage, Custom Choice Loan^®, SunTrust SummitView^®, LightStream^®, GFO Advisory Services^®, BB&T^®, BB&T Securities^®, BB&T Sterling Advisors, Sterling Capital^®, BB&T Investments, and BB&T Scott & Stringfellow^® are service marks of Truist Financial Corporation. All rights reserved. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by SunTrust Investment Services, Inc. and BB&T Securities, LLC, P.J. Robb Variable Corp., and Precept Advisory Group, LLC, which are SEC registered broker-dealers, members FINRALink opens a new window, SIPCLink opens a new window, and a licensed insurance agency where applicable. Investment advisory services are offered by SunTrust Advisory Services, Inc., GFO Advisory Services, LLC, BB&T Securities, LLC, Sterling Capital Management, LLC, and BB&T Institutional Investment Advisors, Inc., each SEC registered investment advisers. BB&T Sterling Advisors, BB&T Investments and BB&T Scott & Stringfellow, are divisions of BB&T Securities, LLC. Mutual fund products are advised by Sterling Capital Management, LLC. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank now Truist Bank.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of Truist Financial Corporation: SunTrust Bank now Truist Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRALink opens a new window and SIPCLink opens a new window, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.

SunTrust Private Wealth Management, International Wealth Management, GenSpring, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Bank now Truist Bank, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRALink opens a new window and SIPCLink opens a new window.

Thank you for choosing SunTrust now Truist. We welcome the opportunity to serve your financial needs. While SunTrust and BB&T have merged to become Truist, both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees, and pricing.

Our friendly teammates at your local BB&T branches will be happy to walk you through their products. You can also learn more by contacting them at 1-800-BANK-BBT or BBT.com.