The Idaho Central Credit Union Visa Classic has an APR that is a little higher than some of the other credit cards offered by this credit union, but there are also very few fees on this card. With the option of taking out cash advances at almost any ATM machine, the Idaho Central CU Visa Classic credit card gives cardholders the power of flexibility combined with a secure payment source.
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While credit cards are an excellent option for responsible consumers that want to build their credit files, it is easy to accumulate an unmanageable amount of debt. The Federal Trade Commission has a catalog of informational articles available that will answer nearly every question that you have on Credit Cards & Consumer Loans.
Idaho Central CU Visa Classic Credit Card Benefits
Idaho Central Credit Union does not disclose its maximum credit limit on the Idaho Central CU Visa Classic card; however, this line of credit is unsecured. This means that cardholders can make charges amounting to their total lines of credit available without needing to make a deposit.
If any authorized charges are made on Idaho Central CU Visa Classic credit cards the person responsible for making payments will have no additional charges. This feature is part of the Visa Zero Fraud Liability protection plan. Cardholders that take advantage of the Visa Payment Protection program can have their minimum monthly payments covered if they are ever disabled.
Idaho Central CU Visa Classic Credit Card Interest Rates
Holders of this line of low interest credit cards pay 11.90% for all charges that will result in an interest fee. This applies to balance transfers and cash advances from the credit card as well. The fee on charges made abroad ranges from .8% to 1% interest.
When an Idaho Central Credit Union Visa Classic credit card is originated from an account that has insufficient funds, a charge of $25 may be applied for returned check fees. For accountholders that need to replace their lost or stolen credit cards, Idaho Central Credit Union applies a $10 charge.
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