The Visa Platinum from the First Community Credit Union of Houston is a consumer credit card available to members of FCCU of Houston. This card offers a low credit card introductory apr rate and the features and benefits found with most Visa cards. These include fraud protection, travel accident insurance, and car rental insurance.
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More and more people are switching to credit unions for a variety of reasons. In fact, some credit unions are included on CNN Money’s list of “Least Evil Banks” which indicates a growth in the popularity of this type of lending institution.
Interest Rates and Fees for the FCCU of Houston Visa Card
The FCCU of Houston currently offers a special introductory annual percentage rate of 2.9% on all purchases, balance transfer credit card transactions and cash advances made with the card for the initial 12 months that the account is open. While some credit card companies offer teaser rates that increase in a short amount of time, the FCCU of Houston Visa Platinum gives you an entire year of an extremely low APR.
In addition, having the introductory APR for balance transfers can allow you to save money on a high interest card and moving the balance onto your Visa Platinum card. However, be aware that there is a fee for any balance transfer or cash advance with the FCCU of Houston Visa Platinum. This fee is equal to 2% of the total transfer or advance, or a flat rate of $2, whichever is greater.
Benefits of the FCCU of Houston Visa Platinum Card
With no annual fee and the low, aforementioned introductory rate, this card can save you a lot of money in the long run. It is important that you use the card properly, and if you transfer a large credit card balance onto the card, be sure to close out the old card to avoid having two cards with high balances.
There are late payment fees ($25) and returned payment fee ($32) assessed to your credit card account if you miss a payment or it is returned for insufficient funds. However, even more costly than the fees is the rise in your APR to the penalty rate 17.99%. This rate goes into effect if you are late with at least two payments in a six-month period.
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