The type of credit card that you should apply for depends on how you plan to use it. Some people tend to carry their balance from month to month and only pay the minimum amount due. Others would rather pay off credit card balances in their entirety each billing cycle to avoid any interest charges. And some people will do both depending on cash flow and other factors. The Hudson Valley Federal Credit Union Visa Platinum credit card is ideal for the first group of consumers who carry a balance.
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In fact, Hudson Valley Federal Credit Union (HVFCU) offers three different platinum cards, each with its own distinct list of benefits and perks for customers. So if the Visa Platinum from HVFCU does not meet your needs, be sure to look into the Points Rewards Visa Platinum or Cash Rewards Visa Platinum.
Hudson Valley Federal Credit Union Visa Platinum Card Rates and Fees
The HVFCU Visa Platinum card offers a variable rate between 11.15% and 17.75%. While this rate will change depending on the current credit card prime rate, it is the lowest rate offered by HVFCU. The credit limit varies by customer, but can be as high as $20,000 depending on your credit score.
To get a quick and unofficial look at what your credit score might be, visit the MSN Money website and use their quick “Your Credit Score” quiz.
The rate for purchases with the HVFCU Visa Platinum credit card is the same as the rate for cash advances and balance transfers, and you get 25 days to pay your balance off each month if you choose. There is a $29 late fee assessed if your payment is not made on time.
Hudson Valley Federal Credit Union Visa Platinum Card Benefits
Some of the benefits of the card include being part of the Visa network, which protects you from fraud or being held responsible for unauthorized purchases. In addition, you can receive up to a half million dollars worth of travel insurance coverage if you pay for your trip with the HVFCU Visa Platinum card.
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- Hudson Valley Federal Credit Union Cash Rewards Visa Platinum Credit Card
- Hudson Valley Federal Credit Union Point Rewards Visa Platinum Credit Card
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