The Visa Classic Credit Card from Arizona Central Credit Union is a card for people with bumpy but not terrible credit. You can qualify for this card and have some more recent problems with your credit, but you will need to have at least one year of on time payments from your creditors.
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Having a year of solid payments doesn’t guarantee that you will qualify for this credit card. In addition to your credit history, Arizona Central will look at your income and your debt to see if you can qualify for more credit. What’s more, you have to be a member of Arizona Central Credit Union in order to apply for this card.
Arizona Central Credit Union Visa Classic Overview
The Arizona Central Credit Union Visa Classic card, as the name suggests, is not a rewards credit card. This is a no frills card that offers a lower interest rate than you would normally get for anyone with less than perfect credit.
If you have great to perfect credit, you might want to consider another credit card as you can get a card with lower interest rates than what you will find here.
This card does offer a variety of benefits that include:
- 25-day grace period on interest
- $250K travel accident insurance
- Rental car insurance
- Zero fraud liability
- Protection against bad purchases with a right not to pay program
The right not to pay program allows certain purchases to be removed from your card if that purchase meets very specific requirements. You will have to read the terms of your agreement for all of the ins and outs of this program, as it can be a bit complex!
Arizona Central Credit Union Visa Classic Terms
Very few fees are included in the terms for this card, which is very nice. The terms include:
- 13.9% interest rate
- No penalty APR
- No balance transfer fees
- No ATM fees
- No annual fee
- No cash advance fees
- 1% foreign transaction fee
All the terms for this card are in compliance with the Federal Reserve’s credit card rules.
Arizona Central Credit Union Visa Classic Bottom Line
This card is an excellent option for those of you who are members with less than perfect credit. The downside is you do have to be a member of this credit union in order to apply for the card. In addition, people with better credit can get better deals with low interest credit cards and rewards credit cards.
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- Arizona Central Credit Union Visa Gold
- Arizona Central Credit Union Visa Gold Business Credit Card
- Arizona Central Credit Union Visa Secured
- Coast Central Credit Union Visa Classic Credit Card
- Alabama Central Credit Union Classic VISA Card
- Arizona State Credit Union Visa Platinum Credit Card
- Arizona Federal Credit Union Platinum Credit Card