Credit Cards

To increase your mortgage pre-approval amount, you can take the following steps:

1. Improve your credit score: Pay bills on time, reduce outstanding debt, and correct any errors on your credit report to boost your creditworthiness.
2. Increase your income: Seek opportunities to enhance your earnings, such as working overtime, taking on a second job, or pursuing career advancement.
3. Save for a larger down payment: A larger down payment reduces the loan amount, increasing your chances of a higher pre-approval amount. Save diligently and consider alternative sources, such as gift funds or down payment assistance programs.
4. Reduce existing debt: Pay off outstanding loans or credit card balances to lower your debt-to-income ratio, which can improve your borrowing capacity.
5. Consider a co-borrower: Adding a co-borrower with a strong credit history and income can boost your pre-approval amount by combining both applicants' qualifications.

The specific impact of these actions on your pre-approval amount may vary depending on your individual circumstances and lender requirements. Consult with a Mortgage Loan Officer to receive personalized guidance.

Manage debit and credit card settings in Digital Banking or the Mobile Banking app. You can block or unblock debit or credit card transactions from going through for that card, or create travel notices.

1. Go to “Manage Accounts” and click “Credit & Debit Card Controls”.
2. Select your desired card.
3. To block your card, select the option to block/unblock your card.
4. To set a travel note, go to the travel notes section and enter your travel information. If you are going to multiple locations, please separate using a comma.

There are various types of payments or purchases that can help you maximize credit card rewards. Here are a few examples:

1. Everyday expenses: Use your credit card for regular expenses like groceries, gas, dining, and utility bills to earn cash back on essential purchases.
2. Online shopping: Utilize your card when shopping on e-commerce platforms or making online transactions.
3. Entertainment and subscriptions: Use your card to pay for streaming services and subscriptions to maximize rewards. 
4. Dining out: Use your card when dining at restaurants or ordering takeout to earn more rewards on your food expenses.
5. Promotional spending categories: Some credit cards offer bonus rewards during limited-time promotional periods, when you make purchases in certain categories that change periodically, such as groceries, gas stations, or travel. Keep track of these categories and utilize your card accordingly to earn extra rewards during those times.
6. Review the terms and conditions of your credit card rewards program to understand your rewards and any limitations or restrictions that may apply.

HawaiiUSA's Cash Back Credit Cards offer several advantages for cardholders:

1. An opportunity to earn cash back on your purchases, which can be a valuable way to save money.
2. Competittive cash back rates allow you to earn rewards on everyday spending, and mean more money back in your pocket with each purchase.
3. Low annual fee, or no fee, depending on the type of credit card you have.

Deciding between the 1% or 2% Cash Back Credit Cards depends on a few things:

1. Your spending habits and potential cash back earnings. Compare the amount you spend in a year to estimate the cash backyou could receive.
2. Determine if an annual fee is worth your expected spending to determine if the cash back outweighs the fee.
3. Creditworthiness - keep in mind that the specific cash back rates and eligibility may be based on your creditworthiness.