Based out of Texas, GENCO Federal Credit Union only services local residents of Angelina and McLennan counties in that state. The GENCO FCU Platinum MasterCard can be applied for if you are a current GENCO FCU member, intend on joining, or have a close relative that has an account. There are three different types of MasterCard credit cards listed by GENCO Federal Credit Union, including the Platinum MasterCard.
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The U.S. government website provides information on credit and credit cards, providing consumers with detailed explanations on the various terms used in the credit card industry. It is unknown how much credit the GENCO Federal Credit Union extends to credit card customers, but the fees and interest rates are explained plainly.
GENCO FCU Platinum MasterCard Fees
The GENCO Federal Credit Union Platinum MasterCard has a varying interest rate of 8.9% to 17.9%. This interest rate is also applicable for credit card balance transfers, cash advances, and other similar purchases. Personal credit cardholders with a GENCO FCU Platinum MasterCard pay 1% interest on any charges initiated outside of the United States. A small charge of $1 will be applied to the accounts of those that request a cash advance.
Going over your credit card limit can result in a $10 service charge, while late payment charges can vary. No more than $20 in credit card late payment fees can be charged in relation to a single delinquent payment.
GENCO FCU Platinum MasterCard Details
To apply for a GENCO Federal Credit Union Platinum MasterCard, you will need to access the Internet, fill out a printed application and send it in, or visit a GENCO FCU location in person. Annual fees are not due on this line of personal credit cards. No finance or interest charges are applied if you have a zero balance on your GENCO FCU Platinum MasterCard.
You will need to read your credit card agreement to find out how many grace days you have each billing period with the GENCO FCU Platinum MasterCard; however, there is not a penalty APR. Fees will only be applied to your account if you go 3% or more over your total credit card limit.
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