For HAPO Community Credit Union members that are more established in life in regards to annual salary and credit history, the Visa Platinum credit card might be the perfect fit. This credit card offers higher credit limits and a rewards program at lower interest rates for members that have worked hard to become financially stable and creditworthy.
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Just because someone has reached a point in their financial life where they can qualify for a more prestigious card like the Visa Platinum card does not mean there is nothing left for them to learn about handling their finances. If someone wants to learn more about credit cards and investing they can read financial recommendations and information at SmartMoney’s website.
HAPO Community Credit Union Visa Platinum Credit Card Rates and Terms
The interest rate for this credit card is between 9% and 18%. The HAPO Community Credit Union determines this interest rate by adding 5.75% to 14.75% to the current credit card prime interest rate of 3.25%. When the prime interest rate increases, the annual percentage rate for this credit card will also increase. The interest rate the cardholder will have to pay for purchases will also apply to balance transfers and cash advances.
Since this is a credit union credit card, there are fewer transaction fees than a credit card issued through a bank. This card requires no annual fee, balance transfer fee, or cash advance fee. There is a return payment fee of $10 and a late payment fee of $25.
HAPO Community Credit Union Visa Platinum Credit Card Perks
Since this is a Visa credit card, the cardholder will automatically have certain perks. These perks include debt protection services, a zero liability policy, baggage delay insurance for travelers, travel accident insurance, and car rental insurance.
As a Platinum Visa card there are additional perks the cardholder can expect. This card has higher credit limits, up to $30,000. The cardholder can also choose to enroll in a rewards program with this credit card.
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