Future tense: I'll open a bank account tomorrow. , Will you apply for a credit card this year? ? , I am going to investigate the credit cards with the best rates. , Present real conditional : If you want to get a credit card, you should get one with the lowest interest rate. , If you go to a credit union, you might get a better interest rate on your savings account. , I will go into debt if I buy too much with my credit card. , Past tense: I closed that bank account three months ago. , They charged me 5.5% interest on my car loan. , This year I improved my credit score. , Present tense: I use a debit card for my weekly purchases and a credit card for big purchases., I pay the mortgage on the 1st of the month. , I always balance my checking account at the end of the month. ,

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