For those of you with less than perfect credit who are also members of the Arapahoe Credit Union, you have the option of applying for the Visa Classic Card. Now, this isn’t a bad credit credit card, however it is a card for those of you who have made some credit mistakes in the past but have gotten on the right track in recent years.
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In the case of this card, you can have bumpy credit but there can’t be any recent bumps. You should have a clean record for the past two to three years on your credit history in order to qualify for this card. You also have to be an Arapahoe Credit Union member to qualify as well.
Arapahoe Credit Union Visa Classic Card Overview
The Visa Classic Card is a rewards card by Arapahoe Credit Union. However, you cannot earn rewards with regular purchases. You do have to log onto the Rainbow Rewards website in order to earn cash back on your card.
In some cases, you can earn up to 19% cash back for your purchase, depending upon which vendor from which you make a purchase. The minimum cash back reward on this site is 4%.
The Arapahoe Credit Union is not rated on the 2011 Credit Card Satisfaction Study by JDPower.com, because it is not a nationally owned credit card company. However, you can find some information at the Better Business Bureau, about how this bank handles their customers.
This card offers a low fee structure and is a low interest credit card option, which is great for people who have less than perfect credit as many credit cards come with high interest rates due to your past credit history.
Arapahoe Credit Union Visa Classic Card Terms
The terms for this card are simple and include:
- No annual fee
- 12.9% APR
- $25 late payment and/or over limit fee
- $30 – $50 returned check fee
- No cash advance fee
- No ATM Fees
Arapahoe Credit Union does reserve the right to demand payment in full for the balance of this card should you misses a credit card payment.
Arapahoe Credit Union Visa Classic Card Verdict
This could potentially be a great low interest option for people with less than perfect credit. You do have to be a member of this credit union and you can have any recent transgressions as well.
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