Applying for a personal credit card issued by the Farmers Insurance Group FCU is not difficult if you know exactly what you want in a credit card. Benefits such as credit limit overage protection, online purchase security, and traveler’s accident insurance coverage are just a few of the perks that are extended cardholders.
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The Farmers Insurance Group FCU Classic MasterCard is one of only two MasterCard branded credit cards offered. Similar to many credit cards offered by credit unions, the Farmers Insurance Group FCU Classic MasterCard comes without an annual fee.
Consumers should fully understand what fees credit card companies are permitted to charge under state law, however, the Georgia Attorney General has provided state residents with a brief overview.
Farmers Insurance Group Classic MasterCard Fees
Only balance transfers are calculated at a variable 13.99% – 18% interest rate. There is a foreign credit card transaction fee added onto accounts when used abroad. Currently, this fee is one percent.
If a Farmers Insurance Group FCU Classic MasterCard account goes over the credit limit, a fee of $20 is applied. A $30 fee is charged for each instance of late payment. Cardholders have three grace days to pay their minimum credit card payment due.
Farmers Insurance Group Classic MasterCard Details
Traveler’s insurance protection in the amount of $200,000 is offered to all Farmers Insurance Group FCU Classic MasterCard accountholders. In order to take advantage of this benefit, credit cardholders will have to finance their travel expenses.
There is one Farmers Insurance Group FCU Classic MasterCard design that comes standard, but account holders have the option of creating credit cards with whatever image they choose. This service is available if a $10 fee is paid.
These reward benefit credit cards are typically used to get discounts and purchase plane tickets. Other rewards are available through the ScoreCard Rewards program, which is accessible via the Farmers Insurance Group FCU website. Further details about this credit card rewards program are available to active members.
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