The First Hawaiian Bank offers their account holders the opportunity to apply for many different credit cards. The Platinum Visa is a great choice for someone with a high credit score that wants a credit card with a higher credit limit.
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If you are looking for more information on the most effective ways to use new credit cards, you can go to the Federal Reserve Board. Using credit cards improperly can lead to large amounts of debt so they should be used carefully.
Terms of the First Hawaiian Bank Platinum Visa
The cardholder will have an annual percentage rate of 2.99% the first eight months of the account. After the first eight months have ended, the cardholder will have a fixed interest rate of 11.24%. This special introductory interest rate and regular interest rate applies to balance transfers as well as purchases.
The interest rate for cash advances is 18%. This is also the rate for the First Hawaiian Bank Platinum card’s penalty interest rate. If the cardholder makes a late credit card payment, their 11.24% interest rate will be increased to 18% and stay at that higher rate until they have made six consecutive payments on time.
First Hawaiian Bank Platinum Visa Fees
This credit card does have an annual fee of $50. The First Hawaiian Bank will often waive this fee for private banking customers. The fee for balance transfers, writing credit card checks, and cash advances is 3%. The minimum fee that will be charged is $5. The fee for foreign transactions is 2.5%.
There are also a few penalty fees associated with this Platinum card. A late payment will result in $35 fee being charged. This is also how much the account will be charged if a payment is returned. The fee for going over the credit limit is $15.
Use the credit card finder on this page to view online credit card rates right now!
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