Your credit impacts more than you may realize, from loan approvals to the rates you receive. In this episode of Money Talks, Kathy Holt, VP & Branch Manager, and Chris Harper, SVP – Commercial Lending, sit down to explain what affects your credit score and how banking tools like auto debit and mobile banking can help you manage your credit more effectively. Kathy and Chris share real-world insights from customers they help every day, including the importance of on-time payments and navigating credit offers, multiple lender inquiries, and growing balances. They also cover strategies for rebuilding credit, explain why a credit score is only one part of the lending decision, and discuss repayment ability and collateral. Along the way, they highlight how everyday financial choices can have a lasting impact and why talking with a local banker can help.
About Us: Southeastern Bank, established in 1888, has a long history of serving its customers and communities. From traditional deposit and loan services to long-term mortgage originations and credit cards, Southeastern Bank has the financial products you need most. The Bank has 11 branch locations throughout coastal Georgia and northeast Florida, including Brunswick, Callahan, Darien, Eulonia, Folkston, Hilliard, Hinesville, Kingsland, Nahunta, Richmond Hill and St. Simons Island.
