DFCU Financial currently offers two types of personal credit cards. These two cards are the Visa Platinum credit card and the Teen and Student Visa Platinum credit card. The latter is meant for younger cardholders that want to build up the credit score. The regular Visa Platinum card is for adults that already have a good credit score.
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An option like this one offers very competitive credit card interest rates and if the cardholder’s credit score is high enough, high lines of credit. To learn the best ways to manage a credit card with low interest and high credit limits you can check out tips from Suze Orman.
Terms of the DFCU Financial Visa® Platinum Credit Card
The interest rate for this card is the same for cash advances, credit card balance transfers, and purchases. This is very rare since the annual percentage rate for cash advances is typically much higher than the other two interest rates. The interest range for this card in particular is between 9.9 and 16.9%.
There is no fee for cash advances or balance transfers, which is also unusual. There is a foreign transaction fee of one percent; this is the average rate of this type of fee. There is no annual fee or a fee for going over the credit limit. There is a $28 fee for having a payment returned and if the cardholder is more than 14 days late with a payment, they will be charged a $25 fee.
More about DFCU Financial
This credit union was founded in 1950 and more than 60 years later, is still serving the people of Michigan successfully. The company originally only accepted members from the Dearborn area, but with acquisition of other credit unions was able to expand into Ann Arbor, Ypsilanti, Lansing, and Grand Rapids. DFCU Financial is the biggest credit union in the state of Michigan. The credit union has over 200,000 members and three billion dollars in assets.
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