The Georgia’s Own Credit Union Visa Platinum credit card comes with numerous benefits that are appealing to consumers, even those that live outside of the listed counties of coverage. There is a variable interest rate, but even the highest APR offered on the Georgia’s Own CU Visa Platinum is not set to exceed 12.99%. If none of the credit cards on J.D. Power’s Credit Card Ratings survey interest you, you may find that the Georgia’s Own Credit Union Visa Platinum has everything that you need.
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All of this personal credit card’s terms indicate that cardholders can keep their total debts low. Accountholders are given 15 days after the end of each billing cycle in which to make their minimum payments. After that, a maximum of $35 in late fees can be applied.
Georgia’ Own CU Visa Platinum Credit Card Fees
The foreign transaction fee on the Georgia’s Own Credit Union Visa Platinum amounts to 1% interest. A penalty APR can be imposed as soon as you fall two or more payments behind. The penalty interest rate is 17.99%, which is still fairly low when compared to most major credit card companies. Rates revert to their previous rate after a six-month period of on-time payments passes.
Going over the limit on the Georgia’s Own CU Visa Platinum may make you responsible for paying the standard $15 over-the-limit credit card charge. Payments that are returned because of insufficient funds cause accountholders to be charged a $35 returned payment fee.
Georgia’ Own CU Visa Platinum Credit Card Details
Billing cycles run for approximately 25 days, but the 15-day grace period makes it convenient for cardholders to avoid making late payments. It is only during the billing cycle that Georgia’s Own Credit Union refrains from charging interest on new charges.
The ScoreCard Rewards program is attached to the Georgia’s Own CU Visa Platinum card. In this program, credit cardholders earn a single point for every dollar that they spend with their lines of credit either in-person or when using their credit card online.
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- Georgia’s Own Credit Union Classic Visa Credit Card
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