First Community Credit Union Visa Classic Basic Credit Card

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First Community Credit Union Visa Classic Basic Credit CardAs the name suggests, the First Community Credit Union (FCCU) Visa Classic Basic Card is a type of a starter or first credit card, specifically designed for people who want to either establish their credit or build up credit that has been damaged in the past. As one of many cards available from First Community, the Visa Classic Basic offers several beneficial options to cardholders.

You can use the credit card chaser to search online for different types of credit cards.

First Community Credit Union Visa Classic Basic Credit Card Fees and Costs

The First Community Credit Union Visa Classic Basic Credit Card offers a fairly high annual percentage rate of 18%. However, considering this is a card for people who are looking to rebuild their credit, the APR is still manageable.

Many times, cards that are designed for people with poor or no credit will carry hefty annual fees and high interest rates. This is certainly not the case with the First Community Visa Classic Basic, as the annual fee for this card is only $10. Although the 18% interest rate is higher than several other FCCU credit cards, it is still substantially lower than many credit cards for bad credit that can charge as much as 29.99% interest.

Benefits of Having a First Community Credit Union Visa Classic Basic Credit Card

One of the benefits of having a First Community Visa Classic Basic card is the lack of a penalty interest rate. This is a rate given to cardholders if you are either late or miss a credit card payment, and many times can default to the maximum rate permitted by law.

In addition, there is no fee charged to your account if you go over the credit limit. Benefits such as these are making credit cards more attractive to consumers. In fact, CNN Money states that the use of credit cards is once again on the rise.

The FCCU Visa Classic Basic also offers insurance in case of an accident while traveling of up to $250,000.

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