Atlanta Postal Credit Union Visa Platinum Credit Card

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Atlanta Postal Credit Union Visa Platinum Credit Card

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The Atlanta Postal Credit Union offers this credit card to their members at an excellent rate. There are many benefits to having a credit card include having a backup source of funding in case of an emergency. Credit cards are also a good way to manage a budget when they are used for specific purchases only.

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After being approved for a credit card, many people like to learn more about the best ways to use that card. One way the cardholder can learn more is by going to sites such as Suze Orman’s for helpful advice.

Atlanta Postal Credit Union Visa Platinum Credit Card Terms

This credit card has an annual percentage rate that is determined by the cardholder’s personal credit score. The four possible interest rates are 9.9%, 12.9%, 14.9%, and 16.9%. This same interest rate applies to cash advances and balance transfers. Cardholders with higher credit scores will have the lowest interest rates. If the cardholder wants to avoid paying interest altogether, all they have to do is pay off their credit card balance each month.

Atlanta Postal Credit Union Visa Platinum Credit Card Fees

There is no annual fee for this card, in addition to no balance transfer fee. This means that this card would be a good choice for someone that has a high balance on a credit card with a higher interest rate. If the cardholder has a lower interest rate with this card, they can transfer the balance from the card with the higher rate with no added fee.

There is a $5 cash advance fee and a foreign transaction fee of 1% with a maximum fee of $10. There is a $20 fee for late payment and going of the card’s credit limit. The fee for a returned payment and for an insufficient convenience check is $15.

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