This credit card is a great choice for a member of the Educators Credit Union that wants a basic credit card that they know they can rely on. This card is also a rewards credit card that is part of the ScoreCard Rewards Points Program.
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Terms of the Educators Credit Union Classic Visa Credit Card
This credit card offers something that is very hard to find in today’s credit market, a fixed credit card interest rate. Members of the Educators Credit Union that qualify for this card will have a very low fixed interest rate of 13.80%. This fixed interest rate applies to purchases as well as cash advances and balance transfers. Having this low of a fixed rate for all three is very hard to find.
There is no annual fee for this card. There is also no fee for cash advances or balance transfers. This is also extremely unusual and makes this card a perfect choice for credit card balance transfers. If the cardholder has a balance on another credit card with a high variable interest rate, they can transfer that balance to this card without having to pay a fee and not worry about their interest rate increasing.
There is a $30 fee for returned payments and a late fee of $10. The late fee will only be charged if the cardholder is more than ten days late with their monthly payment. There is no fee for going over the credit limit with this card either.
Educators Credit Union Classic Visa Credit Card Rewards Program
The cardholder will earn points for all the purchases they make. When they have saved enough points, they can trade them for special rewards such as airline tickets or hotel stays.
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