By Delanda S. Johnson
Citizens National Bank and Johnson Chapel AME Church came together on Monday, Dec. 2, to build a better future for the Malakoff community.
Johnson Chapel AME Church was host to approximately 12 citizens from the Malakoff community who met with representatives from Citizens National Bank.
Carlos Padron, Assistant Vice President Branch Manager at Citizens National Bank in Malakoff, greeted the public and said, “This is a great opportunity for us to get to know the people in Malakoff and surrounding areas and for them to get to know us.”
The meeting was attended by members of First Baptist Church Bro. Derryl Jackson, Sis. Willie J. Graves, and Bro. Ricky Thomas. Bro. Robert Reed represented Church of Living God. Sis. Genova Smith represented Antioch Baptist Church. Sis. Marjorie Walker a concerned citizen who wanted to learn more about banking was in attendance. Rev. Vincent Bailey, Jr., Darty’s Temple came to gain knowledge on banking. Rev. R. C. Emanuel, owner of Emanuel Funeral Home in Palestine, and the Pastor of Rice Chapel AME Church in Dallas, Tx., and Rev. Judge Bill Burton from Athens, and the Pastor of St. Thomas AME Church in Alto, both who came to give support to Johnson Chapel AME Church and its members Evangelist Alma J. Berry, Bro. Elcril Smith and Sis. Delanda S. Johnson.
Padron wanted the small group to know why it is so important to build credit, maintain credit, and repair credit. These were topics that were discussed at the meeting. Padron explained that credit is important because it’s useful in times of emergency, sometimes more convenient than cash, and allows you to make large purchases.
Padron pointed out how important a good credit score is when you are trying to get a job, get insurance, get a loan, etc. He further spoke about how websites like instabank.fi/lainojen-yhdistaminen are helping people consolidate their loans, thus helping them get control of their finance and also helping them improve their credit score slowly by paying them off periodically. Credit scores help lenders determine how much of a credit risk you will be; so that is why you must keep track of your credit score. Why does checking your credit score lower it? Learn more as this is important for your future activities.
A question was asked, “How to do you build your credit history?”
“Open a savings or certificate of deposit to secure the loan. Apply for a department store card. Make a large down payment 20 percent or 15 percent on a house or car; get a co-signer; but the most important is to pay your bills on time,” said Padron. Or one may just dodge this encumbering process by procuring instant loans from an online website like Perusvippi.fi.
Another question was asked, “How do you repair your credit history?” Padron said, “Obtain a copy of your credit report, dispute errors on your credit report, contact lenders and negotiate payments plans, and most of all beware of credit reports scams., We are here to let you know that Citizens National Bank is here for you to help you repair your credit so you can opt for the Personal Loans business deal bank offers”
“We are very pleased that you came to Johnson Chapel AME Church to hold this meeting. We want to thank you for giving knowledge on banking where it is needed the most. The teaching of this class was very helpful and we need more of this type of class. You were very knowledgeable and I would do business with you,” said Rev. Emanuel.
“Everyone needs to know how your money can work for you, how important it is to have credit, and to keep a good credit score,” said Rev. Burton.
Mr. Jackson and Mrs. Graves both said, “This class was full a good information and more people should have came to this community meeting.”
“Our goal is to always be community friendly and to do everything we can to help and support our community. Johnson Chapel AME Church is “The Church Where Everybody Is Somebody and Christ is all,” said Evangelist Alma Berry.
Steward and Trustee Bro. Elcril Smith stated, “We are hoping that this will not be the last event of this kind held at Johnson Chapel AME Church.”