This Visa Gold credit card is the basic personal credit card offered by the First Interstate Bank and has much higher rates than their other credit cards. This is the best credit card option for someone who does not have a very high credit score and needs a basic card.
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To qualify for a First Interstate Bank credit card with lower interest rates, or a rewards card, a cardholder has to have a fairly good credit score. To find information on how to improve a credit score go to the SmartMoney website.
Terms with the First Interstate Bank Visa Gold Credit Card
The credit card annual percentage rate range for purchases and balance transfers for this card are 19.25, 21.25, and 26.25%. These rates are very high. The interest rate for cash advances the interest is 28.25%. There is also a penalty rate of 29.24%. If the cardholder makes just one monthly payment late, their interest rate will be increased to this amount until the cardholder makes six consecutive payments on time.
If the cardholder writes credit card checks, they will be charged the cash advance interest rate for the amount of the check. Most people do not use credit card checks unless they need to make a large purchase at a place that does not accept credit cards and they do not want to use funds from their checking account. People can also use credit card checks to make a balance transfer.
The Fees of the First Interstate Bank Visa Gold Credit Card
Unlike most credit cards available on the market today, this Visa Gold card has an annual fee of $39. Most credit cards do not charge an annual fee anymore. If the cardholder makes a balance transfer, they will pay a 3% fee of the amount being transferred with a minimum charge of $10. The fee for cash advances and credit card checks is 4% of the amount with a minimum fee of $10.
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