FirstLight Federal Credit Union Visa Platinum Credit Card

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FirstLight Federal Credit Union Visa Platinum Credit Card

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Membership to the FirstLight Federal Credit Union is limited to legal residents of Dona Ana and El Paso Counties as well as those living on Fort Bliss AFB. You must belong to the FirstLight Federal Credit Union in order to apply for this personal credit card. FirstLight Federal Credit Union is also listed with the National Credit Union Administration.

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It is well known and generally accepted that credit unions tend to have less strenuous credit restrictions when compared to major credit card issuers. If you live in one of the areas in Texas that openly accepts members to the FirstLight FCU, you will likely be approved for the FirstLight Federal Credit Union Visa Platinum card.

FirstLight Federal Credit Union Visa Platinum Interest

In total, the FirstLight FCU offers three types of personal credit cards. The FirstLight FCU Visa Platinum card doesn’t offer rewards or other similar perks, but it has the best credit card rates. Cardholders with the highest credit ratings currently pay no more than 7.9% interest. At maximum, FirstLight Federal Credit Union can charge 18% interest on these credit cards.

There are only two additional fees charged by the FirstLight FCU. Cardholders that make their minimum monthly payments late or use their credit cards while overseas will pay extra charges. The late fee is $25, and 1% interest is charged for a foreign credit card transaction.

FirstLight Federal Credit Union Visa Platinum Details

Since Visa is the backer of the FirstLight Federal Credit Union Visa Platinum card, members have a number of exclusive consumer based protections. Products purchased with Visa credit cards automatically become eligible for extended warranties. There is also a feature on this low interest credit card that gives victims of identity theft instant access to assistance.

FirstLight Federal Credit Union Visa Platinum line of credit cards are most appropriate for consumers that have an existing credit file with a few recent blemishes. Applicants may not be approved if they are viewed as too much of a risk, but there are also other personal credit cards from FirstLight FCU that they can inquire about.

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