Recently, an amendment to the FDIC’s Truth in Lending Act for Consumers made it easier for young adults to avoid falling prey to predatory credit card lending practices. However, credit card companies now have more stringent requirements for their student credit card applications, making it hard for most students to be approved without a co-signer. Even so, Georgia’s Own Credit Union Student Visa credit cards have a flat interest rate, low fees, and grace periods that last more than two weeks.
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Students that are not members of the Georgia’s Own Credit Union may still submit an application for this line of student credit cards if they have some other familial or work-related association with the credit union. Applicants that have parents or close relatives who have joined the Georgia’s Own Credit Union may benefit even further if that relative applies as a co-signer.
Georgia’s Own CU Student Visa Credit Card Interest and Fees
The interest rate that Georgia’s Own Credit Union Student Visa cardholders pay for balance transfers, regular charges, and cash advances is 12.99% APR. A fee of $35 becomes payable anytime that an account goes 15 or more days delinquent, or after a payment is returned for insufficient funds.
The Georgia’s Own Credit Union Student Visa also comes with other protections by Visa that help to prevent credit card identity theft. Any purchases that do not meet the standards of cardholders can be refunded in full when they go through the correct channels.
Georgia’s Own CU Student Visa Credit Card Benefits
A bonus of 22,500 ScoreCard points is given to all new applicants that are approved for this line of low-interest credit cards. Cardholders are not limited as to how or when they can use their miles, and the miles will remain valid for as long as their credit card accounts are open.
A $500,000 accidental travel insurance policy is established as soon as you use your credit card to make a travel purchase. This insurance policy can be utilized if you become injured while abroad in any part of the world.
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