Having a credit card is like having a safety net for your financial life. If there is an emergency and you do not have the cash to pay for it a credit card is the perfect solution. The Community Credit Union of Florida recognizes this and offers both a Visa Platinum credit card and a Secured Visa credit card to their members.
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Of course, a credit card can only work as a financial safety net if it used responsibly. A credit card can easily go from being a strong financial tool to the cardholder’s greatest financial liability. Many people let their card use get out of control. Websites like SmartMoney can provide information about how to avoid this scenario.
Terms of the Community Credit Union of Florida Visa Platinum Credit Card
The annual percentage rate for cash advances and purchases is between 10.90% and 17.95% with the final interest rate being decided by the cardholder’s credit score. For the first year, the credit account is open the cardholder will have a balance transfer interest rate between 4.99% and 15.99%. After the first year, the interest for balance transfers will be the same as the interest for purchases and cash advances.
There is no special fee for balance transfers or cash advances and the foreign transaction fee is 1 percent for each multiple currency transaction and .80% for each single currency transaction. The fee of $25 will be charged to the cardholder for late payments, if they go over their credit limit, and if they have a payment returned. So if the cardholder pays a payment late for a balance over their credit line and the payment is returned they could be charged $75 in fees alone.
Other Fees for the Community Credit Union of Florida Visa Platinum Credit Card
The cardholder will also be charges $25 if they need their credit card replaced. They might have to pay an extra $25 if it is an emergency and the new card has to be rushed.
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