Since they are only paying a 9.9% APR, Idaho Central Credit Union Visa Gold credit cardholders are likely to use their credit cards regularly. Personal credit cards that have interest rates this low have no need to include fancy rewards programs–their rates are attractive enough. And thanks to online programs like “Money Talks,” offered by the University of California’s Cooperative Extension, consumers are becoming more knowledgeable about credit card debt management and what they should look for in a credit card.
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If you are already a member of the Idaho Central Credit Union, you can submit an online credit card application. Cardholders can also get a total of $150,000 in travelers insurance activated just by using their Idaho Central CU Visa Gold credit cards when securing travel reservations.
Idaho Central CU Visa Gold Credit Card Terms
As mentioned, Idaho Central Credit Union Visa Gold credit cardholders pay exactly 9.9% in interest. Because the interest rate is not variable, accountholders only become responsible for paying more in fees when they violate any portion of the credit card’s terms and conditions.
For example, Idaho Central Credit Union reserves the right to impose the 18% interest penalty interest rate if cardholders do not submit their payments on time. No yearly maintenance charges are due on the Idaho Central CU Visa Gold card.
Idaho Central CU Visa Gold Credit Card Details
The Idaho Central Credit Union Visa Gold credit card is available to applicants that are members of the Idaho Central Credit Union and meet the minimum credit requirements. However, these minimum requirements are not publicized, so you’ll have to inquire directly with the credit union for more information. These credit cards can be used to make any type of purchase that does not go over the credit limit.
Approximately 25 days are allotted during the interest-free grace period. If the credit card balance is not paid off in full during this period, an interest charge of a minimum of $.50 will be due at the end of the cycle. Idaho Central CU Visa Gold credit cardholders can add a limited number of additional credit cardholders to their accounts, but they will still be held liable for all charges made by those authorized users.
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