This is the starter MasterCard credit card offered by the Langley Federal Credit Union. Some people prefer MasterCard to Visa and, if they are not established enough in their credit score or career to qualify for the Gold MasterCard, this basic card is the perfect choice. With a lower credit limit, this card is great for someone younger or someone who does not want to take the risk of acquiring too much credit card debt.
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Credit card debt is a great source of worry and shame for most Americans. Many find their debt overwhelming and need help getting started on the path to paying it off. Suze Orman offers great advice on managing debt on her website. This resource can teach someone how to pay down their debt, as well as how to handle things like charged-off credit accounts and what to do if they are denied credit.
Langley Federal Credit Union MasterCard Credit Card Rates
The annual percentage rate for this credit card is 14.5%. This rate is for both purchases and cash advances.
Since most credit card providers charge much more interest for cash advances, it is rare for someone to find a card like this one that charges the same rate for both types of transactions.
Cash advances are typically made through the use of credit card checks. These act like normal checks, except the funds come from the cardholder’s credit card balance instead of their checking or savings account. Since the cardholder will be charged interest every month until the check amount is paid off, most people use credit card checks sparingly and typically only for large purchases when there was no other way to pay.
The Langley FCU MasterCard has no credit card annual fee. The credit limit for the card can be as much as $4,900.
Joining the Langley Federal Credit Union
Unlike banks that will accept anyone, a credit union like this one requires their members to fit certain criteria to join. Langley Federal Credit Union requires their members to live, work, worship, or go to school in Hampton, Norfolk, Virginia Beach, Williamsburg, or Newport News, Virginia.
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