If you are a member of the Baton Rouge Telco Federal Credit Union then you might want to consider the Telco Federal Credit Union Visa Gold Credit Card. Designed specifically for people with excellent to perfect credit, this card offers low rates and great terms.
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Of course, not all of the terms are perfect. For example, in the terms and conditions the Telco Federal Credit Union says that if you die or your credit score changes drastically they will determine that you are ineligible for your card and demand full payment immediately. Yes, that’s right; if you die, you will be required to pay your bill in full. This is actually in compliance with the Federal Reserve’s new credit card rules.
Telco Federal Credit Union Visa Gold Credit Card Overview
This card is a no fee credit card. What this means is that you don’t pay an annual fee, cash advance fee or ATM fee. However, if you get a cash advance from a non-Telco owned ATM you will be subject to the fees imposed by the bank that owns the ATM. There are also no fees for balance transfers.
You do have to be a member of Telco Federal Credit Union in order to apply for this card. You can fill out an application online, however, you will have to bring it to or send it to one of the Telco branches for approval. You can find out in the branch office if you are approved.
Telco Federal Credit Union Visa Gold Credit Card Terms
As mentioned above, this card has rather good terms. One of the things that you are going to appreciate about this card is its low interest rate of 6.9%. This is not an introductory rate, this remains the rate of your card for as long as you maintain a good payment history and your credit score remains exemplary.
The only fees associated with this card are for late or returned payments. There is no penalty APR.
Verdict on the Telco Federal Credit Union Visa Gold Credit Card
This credit card offers excellent terms that those of you with superb credit will enjoy. If you have bumpy credit or bad credit, you will need to consider other options.
Use the free credit card chaser tool to compare online credit cards right now!
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