The Eastman Credit Union Visa Classic credit card is a basic credit card from the Eastman Credit Union. This credit card is for people with good to perfect credit. You can have bad credit history and still qualify for this credit card.
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Despite the fact that this is a classic credit card, this is a low interest credit card. For those of you with less than perfect credit but with no recent late or missed payments, bankruptcies, credit card judgments, or foreclosures may find that this is an excellent way to get a low interest credit card without perfect credit.
Eastman Credit Union Visa Classic Credit Card Overview
As a classic credit card, the Eastman Credit Union Visa Classic card it is simply a basic card that provide you with buying power. The minimum credit limit for this card is $500 with the maximum credit limit of $2,500. If you qualify, once you’ve reached the maximum limit, Eastman will recommend the Visa Gold or Visa Platinum cards, which both have a minimum credit limit of $2,000.
One interesting option for this card is that you can choose to get a cash advance while online. In addition, you are offered all of the fraud protection services available through Visa. This credit card also provides rental car insurance when you use your card to rent a car.
Eastman Credit Union Visa Classic Credit Card Terms
This credit card offers your choice of a fixed APR or a variable APR. A fixed rate APR on your credit card means that if the prime rate changes, your interest rate will not. You can find the prime rate on the third business day of every month at the Wall Street Journal.
The fixed APR for this card is 10.9% while the variable rate is 7.75%. These are starting rates, which mean if your credit is not perfect; your rates will be higher.
The only fee associated with this card is a late payment fee. Your late payment fee will be determined by your total credit card balance. Someone with a credit card balance of $100 will pay less for a late fee than someone with a balance of $2,500. This is in direct correlation with the Federal Reserve new credit card rules.
Eastman Credit Union Visa Classic Credit Card Verdict
You must be a member of the Eastman Credit Union in order to qualify for this card. Only people who live in certain parts of Tennessee and Virginia will be able to qualify for a membership to the credit union. If you do qualify, this could be a potentially great low interest credit card.
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