On the Community Credit Union of Florida website, they only have two personal credit cards listed. These cards are the Visa Platinum credit card and the Share Secured Visa Card. While there is no Visa Platinum Secured credit card listed on the main credit card page it is under the terms and condition page. This could mean that the Share Secured Visa and Visa Platinum Secured credit cards are the same card that has had two different names.
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Community Credit Union of Florida Visa Platinum Secured Credit Card Terms
There are not as many fees associated with this credit card as there are with most. There is no annual fee, which is common, but there is no fee for balance transfers or cash advances, which is not common at all. The fee for foreign transactions will be either .80% or one percent depending on the type of transaction.
If the cardholder is late with their payment by ten days or more then they can be charged up to $35. They will pay the same fee amount if a payment is returned or goes over their line of credit. The cardholder will have to pay $25 to replace a lost or stolen credit card or if they need an additional card.
Most secured credit cards have very high interest rates, but the interest rate for this card is only seven percent. This very low rate applies to cash advances, balance transfers, and purchases. It is very rare for a credit card’s cash advance interest rate to be the same as the other interest rates. This rate is typically higher than both purchase and balance transfer rates.
Avoid Paying Interest
The quickest way for credit card debt to get out of hand is the accumulation of interest. The cardholder should always try to pay more than the minimum amount due and should pay their full balance whenever they can to avoid any extra interest.
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- Community Credit Union of Florida Share Secured Visa Credit Card
- Community Credit Union of Florida Visa Platinum Credit Card
- Fort Worth Community Credit Union Share Secured Classic MasterCard Credit Card
- Municipal Credit Union Visa Secured Credit Card
- Community First Credit Union Shared Secured Visa Credit Card
- S.C. State Credit Union Visa Secured Credit Card
- Rivermark Community Credit Union Visa Classic Secured Credit Card