There are currently two personal credit cards offered by the Commonwealth Credit Union, the Visa Classic credit card, and the Visa Platinum credit card. The Platinum card is meant for members with a higher credit score that can qualify for a better rewards credit card.
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Since credit unions see people as members instead of customers and usually serve a fewer number of people than banks, they can offer a more personal for of financial guidance. If a member does not have time to discuss an issue with their credit union representative, they can find a wealth of financial information at websites like MyMoney.gov.
Terms of the Commonwealth Credit Union Visa Platinum Credit Card
Since a credit union member has to have a higher than average credit score to qualify for this credit card, they will most likely have a lower than average annual percentage rate as well. The interest rate for purchases, cash advances, and balance transfers for this card range from 8.90%, which is extremely low, to 19.70%, which is a little below average.
The is no application or annual fee for this rewards credit card as well as no fee for cash advances or balance transfers. There is a one percent fee for foreign transactions whether they involve a currency conversion or not.
If the cardholder makes a payment late, they will pay either $25 or 10% of the payment that is due; whichever amount is less. There is a $29 fee for declined access check and returned payment and a $20 fee for any requested check stop payments.
Personalize Your Commonwealth Credit Union Visa Platinum Credit Card
Adding your own picture as your credit card’s background is becoming increasingly popular. Originally, this service was only available through larger banking and credit establishments, but today, even small organizations are offering it. The Commonwealth Credit Union lets their members personalize their credit cards with their own pictures for a small fee of $10.
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