This review is for the Achieva Credit Union Visa Platinum Credit Card. As one of several credit cards offered by Achieva, the Platinum card offers many benefits and cost saving features.
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Details of the Achieva Credit Union Visa Platinum Credit Card
The annual percentage rate for the Achieva Credit Union Visa Platinum Credit Card ranges between 9.9% and 17.9%. The rate will depend on many different factors including your credit score. To find out some ways to improve your credit score, visit http://money.cnn.com/2010/08/24/pf/perfect_credit_score.moneymag/index.htm.
The annual percentage rate for both cash advances and balance transfers is the same as the purchase APR. However, if you transfer a balance or take out a cash advances, you will be charged a 3% fee up to $100.
Achieva Credit Union offers a 25-day grace period on purchases and no annual fee. This means if you pay off your balance each month, you will not pay any interest and can use the card with no out-of pocket expense.
There is however, a late payment fee of $25 and a returned payment fee of $10.
Achieva Credit Union Visa Platinum Credit Card Benefits
The Achieva Visa card offers you easy access to your account online, and if you are an Achieva Credit Union member with a checking or savings account, you can set up an automatic overdraft protection program. This allows you to use your credit card to cover any possible non-sufficient fund charges from your bank account.
The card also gives you complete travel insurance coverage up to $500,000, and protection when making online purchases while using the card. Achieva also offers 24/7 customer service, and fast turnaround for a lost card.
As with all Visa Cards, the Achieva card is accepted anywhere Visa card are taken, and offers complete fraud protection with no liability. This means if your card is lost or stolen and unauthorized purchases are made, you will not be held liable for the charges.
Achieva Credit Union Visa Platinum Credit Card Bottom Line
With a low APR and no annual fee, this card is an excellent companion card for people who belong to Achieve Credit Union and have a checking or savings account. You do have to be a member of the credit union in order to apply, so if you are not eligible to be a member, you cannot get the card.
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