Although you will need to be an employee of IBM and open a new personal bank account with at least $5, there are no other requirements for applying for an IBM Southeast Employees’ FCU Visa Platinum credit card. This federal credit union has been in business since the 1960s, continually serving employees of IBM and their relatives. The IBM Southeast Employees’ Federal Credit Union Visa Platinum credit card is not rated by J.D. Power & Associates, but plenty of cardholders are still satisfied.
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With the IBM Southeast Employees’ FCU Visa Platinum card, accountholders pay between 9.5% and 16.75% in interest charges. Whether these personal credit cards are used to make in-store purchases, make a credit card balance transfer, or take out cash advances, the APR will be the same.
IBM Southeast Employees’ FCU Visa Platinum Credit Card Restrictions
There are few limitations with the IBM Southeast Employees’ FCU Visa Platinum, but there are not that many additional rewards. No bonus points or cash back incentives are available with this line of credit cards. IBM Southeast Employees’ FCU Visa Platinum credit card accounts cannot be penalized if they go over their designated limits.
If a cardholder uses a convenience check to request a cash advance, a fee of $25 will be assessed if a stop payment is initiated. Credit card minimum payments that are not made by the due date may have a $25 to $35 in late payment charges tacked on.
IBM Southeast Employees’ FCU Visa Platinum Credit Card Details
IBM Southeast Employees’ FCU Visa Platinum account holders can request to have additional credit cardholders put on the account as authorized users. This credit card does not have any introductory offers, but there is also no annual fee. If you do not have an IBM Southeast Employees’ bank account, you may still request membership if a closely related family member is an active member.
At least $.50 in interest charges will be applied every billing cycle for as long as there is a revolving balance on this credit card. In order to become subject to a late payment charge, your credit card account needs to be at least 10 days delinquent.
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