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Posted in Board Brief, KTFCU News on Sep 17, 2025
There are many types of text spam. They fall into two categories: Sales campaigns and Scams. Neither is good nor wanted.
SALES CAMPAIGNS provide offers or calls to actions.
Offers include links to insurance quotes, discount coupons, etc. Calls to action include lending opportunities, stock tips, etc. These tend to be time sensitive. They ask you to act now. Very little good can come from such marketing campaigns, because (at a minimum) responding in any way or clicking on a link carries with it a consent to Opt-In which means you will continue to get such communications.
SCAMS are more threa...
Posted in Board Brief, KTFCU News on Aug 20, 2025
Americans receive a significant amount of spam text messages daily. In February 2025, Robokiller reports indicated that Americans received 19.2 billion spam texts, according to SlickText. This translates to roughly 63 spam texts per person (which is two per day, on average). I’m sure some of you feel you get far more than two a day!
Spam texts can take many forms in that they can be from scammers or blast marketing campaigns (either from a business or consumer perspective). Either way, they are unwanted disruptions.
While email spam remains a significant problem, text spam has become arguabl...
Posted in Board Brief, KTFCU News on Jul 16, 2025
Having debt is not necessarily a problem. Spending within your means is the behavior you want to foster. Saying no to purchases you can’t afford is a hard choice, but with such hard choices brings freedom, financial freedom.
We provided statistics that show half of Americans with credit cards (100 million) use credit cards as a convenience tool. They make purchases every month and pay the full balance off each month when the balance is due. This infers they have a plan to only buy what they can pay for when the bill come due.
Of the 100 million Americans who carry a credit card balance, 25% (o...