A Visa Classic credit card is an excellent choice for someone looking for their first credit card. Students and other credit beginners often choose this card because it is so well known and well respected. Choosing the right first credit card can have lasting effects on a person’s credit history.
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It is very important that young credit card users know how to avoid common credit mistakes. It is also very easy for inexperienced credit card users to let their spending get out of control when they first receive their new card. Often the lure of a large, unused credit limit can overpower any budget concerns. To learn great ways to use a new credit card responsibly, read MyMoney.Gov’s special guide for young adults “Taking Care of Your Finances”.
HAPO Community Credit Union Visa Classic Credit Card Rates and Terms
The annual percentage rate for the HAPO CCU Visa Classic credit card ranges from 11.5% to 18%. Technically, the range is 8.25% to 14.75% plus the current prime interest rate. The current prime interest rate is 3.25%. The cardholders with the higher credit scores will have the lowest monthly interest rates. No matter how high their credit score is, if the prime interest rate increases, the cardholder’s interest rate will also increase.
The cardholder will pay the same interest amount for purchases, cash advances, and balance transfers. The HAPO CCU Visa Classic card is a no annual fee credit card. There are also no fees for balance transfers or cash advances. There is a $25 late fee and a $10 fee for a returned payment.
HAPO Community Credit Union Visa Classic Credit Card Benefits
Since this is a Visa credit card, there are certain benefits that the cardholder will be given at no extra charge. The cardholder will automatically have travel accident insurance, baggage delay insurance, car rental insurance, a zero liability policy, and debt protection.
The zero liability policy protects the cardholder if their card is stolen. If their card is stolen and used, the cardholder is liable for none of the charges.
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