Although Farmers Insurance Group FCU Visa Platinum credit cards have a higher credit card interest rate than most of the other credit cards offered by this credit union, there are several noteworthy benefits. You can qualify for these personal credit cards if you are a member of the Farmers Insurance Group FCU and submit a complete application online, by phone, in person or through the mail.
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Even though there is an online application process available, Farmers Insurance Group FCU Visa Platinum credit card applicants have to wait to find out if they are approved or not.
Using the online consumer resource from the Federal Deposit Insurance Corporation can help you with advice on choosing and using a credit card.
Farmers Insurance Group Visa Platinum Interest Rates
With the exception of credit card balance transfers, all other interest rates on the Farmers Insurance Group FCU Visa Platinum card are set. Cardholders pay 10.99% APR for all regular purchases made over the web or with merchants that accept Visa. In addition to the 10.99% to 18% APR charged on balance transfer balances, Farmers Insurance Group FCU also adds 2% interest on the accounts of cardholders who take out credit card cash advances.
Initiating a payment that ends up being returned by the Farmers Insurance Group FCU can result in both a $35 fee as well as the penalty interest rate being charged. At a minimum, $.50 is due every billing cycle, regardless of the balance.
Farmers Insurance Group Visa Platinum Rewards
When cardholders enroll in the ScoreCard Rewards program, they get to buy special prizes with their points. A special concierge service is also offered to consumers that qualify for Farmers Insurance Group FCU Visa Platinum credit cards, which allows them to get preferential treatment.
The Personal ID Theft Coverage program also gives cardholders help if needed. Every time a Farmers Insurance Group FCU Visa Platinum credit cardholder travels, he or she is protected by the Travel Accident Insurance program. All of these services are available to account holders at no additional charge.
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