This Visa credit card is a great choice for someone that just wants a simple credit card without the hassle of a rewards program. This card is also a good choice for someone that might not have a credit score or an annual income high enough at this point to qualify for a rewards credit card. A basic card like this can definitely help the cardholder raise their credit score if it is used responsibly.
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Most people have a general idea of how a credit card works, but when it comes to interest rates and the long term effects even one late payment can have on a credit score, it can all get very confusing. To get a better grasp on the ins and outs of credit, you can go to the Smart Money website to research further.
Langley Federal Credit Union Visa Credit Card Rates
Since the person that qualifies for this credit card will most likely have a lower credit score than the person who can qualify for the platinum Visa offered by this credit union, the interest rate is a bit higher. There is an annual percentage rate for purchases, balance transfers, and cash advances of 14.5%.
It is very unusual for the interest rate for a credit card cash advance to be the same as the rate for purchases and balance transfers, as it is on this card.
Most credit cards charge much more in interest for cash advances. There is no annual fee for this card.
Langley Federal Credit Union Visa Credit Card Perks
Langley Federal Credit Union members who are approved for this Visa card can have a credit limit of up to $4,900. This reasonable credit limit makes the Langley FCU Visa credit card a great choice for younger families. This card will give them the security of having a credit card as a financial safety net without the risk of their spending getting out of control and racking up a large amount of debt like they could with a card with a higher limit.
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