In addition to bank accounts, CDs and mortgages, the First Federal Savings and Loan Association of Charleston also issues personal credit cards. The FFSL Association of Charleston Gold MasterCard does have a yearly fee; however, this charge can simply be deducted from your total credit card limit.
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Although the FFSL Association of Charleston advertises this credit card as having a set interest rate, the APR can change at will. However, the current APR for this low interest credit card is set at 7.15%.
Recently, the FFSL Association of Charleston was approved to become a commercial bank by the South Carolina State Board of Financial Institutions. There are several ways to apply for the FFSL Gold MasterCard, including over the web.
First Federal Savings and Loan Gold MasterCard Features
With the FFSL Association of Charleston Gold MasterCard, you will have at least 25 days each billing cycle plus an additional 10 grace days to make the minimum payment and avoid a late fee. Although no rewards points or special perks are listed under the FFSL Gold MasterCard, you will have unlimited use of a personal credit card that has minimal fees.
Another great benefit of the FFSL Association Gold MasterCard is the online account portal. This will enable you to make your payments and make other adjustments on your account at any time of day.
First Federal Savings and Loan Gold MasterCard Fees
If you want to apply for a FFSL Gold MasterCard, you will have to pay an annual charge of $35. This fee is not waived during the first year. The fee charged to cardholders who make late payments is $6.80, which is extremely low when compared to other credit card issuers.
The fee for FFSL Gold MasterCard account holders that make purchases in a foreign country is 1%. Additionally, cash advances come with a minimum $3 convenience charges, or a maximum of 2% of the total amount borrowed.
For personal credit cards with a fixed APR, visit credit card chaser!
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