There are a lot of different credit cards from which you can choose, and most credit cards offer you different interest rates and terms based on your credit score. The GTE Federal Credit Union Visa Platinum credit card is no different.
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This credit card offers one of the lowest interest rates you’ll find on any credit card. Naturally, the APR will vary depending upon your credit score, and this credit card is designed for people with perfect to good credit. The APR you receive will reflect your credit score.
GTE Federal Credit Union Visa Platinum Credit Card Overview
As mentioned above, this is a credit card with a very low interest rate. As such, it isn’t a rewards credit card and is best for everyday purchases, rather than making large purchases. However, if you intend on carrying a balance, you have great options and this credit card is good for anyone.
One of the things you’ll find with this credit card is that, if you travel and you don’t tell the GTE Federal Credit Union, then they’ll suspend your credit card until you call and let them know it is you making the purchases and not some fraudulent credit card user. This is part of their fraud protection program, and they do require you to call prior to traveling, especially if you plan on traveling outside of the U.S.
GTE Federal Credit Union Visa Platinum Credit Card Terms
The starting interest rate for this credit card is 6.99%! The APR is based on the Prime Rate. The decision has already been made by the FOMC (Federal Open Market Committee), to keep the Prime Rate at 3.25% through the middle of 2012.
The interest rate for this credit card can go as high as 17.99%, which would be for those of you with poor credit. There is no introductory APR for this credit card at this time.
This credit card has very few fees. In fact, there’s no annual fee, application fee, inactivity fee, ATM fee, balance transfer fee, or cash advance fee. The fee for a late payment or a return payment is $25 and there is no over-the-credit-limit fee.
GTE Federal Credit Union Visa Platinum Credit Card Verdict
This credit card has an exceptional interest rate. For someone with excellent credit, this could be the right card for you. The interest rates are average for people with bumpy credit, so you might consider other options if your credit needs improving.
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