Educational Community Credit Union Classic Visa Credit Card

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Educational Community Credit Union Classic Visa Credit CardThe Classic Visa credit card offered to by the Education Community Credit Union is a great first credit card for their members to consider. While this card does have a slightly higher interest rate than the ECCU Platinum Visa credit card, it does come with the option of enrolling in the ScoreCard rewards program, which is a feature not all Classic Visa credit cards offer.

The credit card chaser is a simple way to compare credit card rates quickly!

There is much more to understand about using credit cards than just how much you will have to pay in interest every month. For great advice on credit card use go to MyMoney.gov.

Terms of the Educational Community Credit Union Classic Visa Credit Card

This card has an interest rate of 12.96% for purchases. This is a higher rate than the Platinum Visa offered by the credit union, which is 9.9%; however, this is still a much lower APR than most Classic Visa credit cards on the market. This credit card also does not charge the cardholder an annual fee.

Even though the credit cardĀ interest rateĀ is fairly low, the cardholder should avoid paying for interest whenever possible. If the cardholder pays for the balance of a purchase within 25 days, they will not be charged interest for that purchase on their next statement. If they do carry a credit card balance into the next month, the cardholder should always try to pay more than the minimum payment due to save money on interest as they repay the debt.

Special Option for Educational Community Credit Union Cardholders

There are features included with this credit card that are unique to the Educational Community Credit Union. One of these features if the option for members to skip their credit card payment in January. People often are caught up with the gift giving spirit at the end of the year and let their credit card spending get a little out of control. This credit union gives their cardholders the ability to save up a bit before having to start paying off their holiday debt.

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