Platinum credit cards like the Community First Credit Union Platinum Visa Credit Card are a great option for people with better than average credit scores. These types of cards require the cardholder to have a really good credit score because they have such low annual percentage rates.
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Having a credit score good enough to get the lowest interest rate on a Platinum credit card is no small feat. Having a good credit score in today’s economy is not easy to do. While maintaining a good credit score can be hard, it is vital if someone ever wants to apply for a loan and can even have an influence on getting a new job. For great information about how to keep your credit score as high as possible, you can go to MyMoney.gov.
Community First Credit Union Platinum Visa Credit Card Terms
There are not as many fees for this card as there are with most credit cards. While many credit card providers have done away with annual fees as a way to get new cardholders, almost all providers still have some type of balance transfer fee. This credit card has neither of those fees. The cash advance fee is also extremely low at $5 per advance. The majority of credit cards require at least $10 or a certain percentage of the advanced amount.
The interest rate for this card can be anywhere from 8.99% to 18.99% for purchases. This rate applies to balance transfers and cash advances as well. This is also unusual since the interest for cash advances is usually higher than the other interest rates. To receive the 8.99% interest rate, the cardholder would have to have an excellent credit score.
Perks of the Community First Credit Union Platinum Visa Credit Card
There are many benefits to having a Visa credit card. This is probably the most widely accepted card, so even if you are traveling abroad you can still use it in most places.
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