There are many student credit cards that have been developed for young adults who want to finance their education expenses, but the Idaho Central Credit Union New Generation Visa credit card is made available to more than just youth. Specifically, the Idaho Central CU New Generation Visa has been designated as a line of credit meant for establishing or repairing credit. The 16.9% interest rate on the Idaho Central Credit Union New Generation Visa may not be low by traditional standards, but it is still fair for an unsecured credit card.
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The Ohio State University Communications Department, in this article on youth debt, has covered some of the reasons why some young people associate higher amounts of credit card and student loan debts with feelings of responsibility. Although it is not necessary to go into debt to establish credit, having any type of credit card account can help to raise credit scores.
Idaho Central CU New Generation Visa Credit Card Fees and Interest
With the default interest rate at only 18%, Idaho Central CU New Generation Visa cardholders can expect to pay the same amount in fees consistently. Payments received after the credit card due date have a $15 past due surcharge applied.
The Idaho Central CU New Generation Visa credit card has a credit card foreign transaction fee of approximately 1%. The fee may be lower if only one charge is made while overseas.
Idaho Central CU New Generation Visa Credit Card Details
Although Idaho Central Credit Union does have credit requirements, it will be much easier for students and young adults to be approved for this credit card than to be approved for one from a larger bank. Cardholders are not restricted in where they can use their Idaho Central Credit Union New Generation Visa credit cards.
Idaho Central CU New Generation Visa accountholders may also request to have their credit cards graduated when they feel that they are qualified to receive a better credit card APR. This credit card is also attached to the Verified by Visa program, so online shopping is always secure.
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- Idaho Central Credit Union Visa Gold Credit Card
- Idaho Central Credit Union Visa Platinum Credit Card
- Idaho Central Credit Union Visa Classic Credit Card
- Premier America Credit Union Visa New Generation Credit Card
- Idaho Central Credit Union Business Visa Credit Card
- Coast Central Credit Union Student Visa Credit Card
- Educators Credit Union Student Visa Credit Card