For a fairly basic credit card, you may want to look into the Lansing Automakers Federal Credit Union Visa Classic Credit Card. This credit card has higher interest rates and a lower credit limit than some of the other cards offered by this credit union, but it is a good first credit card.
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There are a number of things to keep in mind when it comes to choosing a credit card. Having one brings big financial responsibility and it is important to understand how credit cards work in order to avoid credit card debt.
Lansing Automakers FCU Visa Classic Credit Card Terms
One thing to be aware of in regards to a credit card is its terms.
The Lansing Automakers FCU Visa Classic card has a minimum credit limit of $500, which is based on your credit history.
The interest rate for purchases is 16.4%. The rate is 18% for cash advances and also an APR of 18%for a transfer balance from another card. The finance charge for items purchased is not imposed until 25 days after the statement closing date.
The Classic Visa does have an annual fee of $12. The late fee runs between $15 and $35, and the fee for returned payments is $20.
Lansing Automakers FCU Financial Counseling
If you are approved for the Visa Classic, you may be just starting to build credit. As a member of the credit union, you have free access to services for financial education and money management.
Certain topics that this program can help with include debt repayment, personal management of your money, financial budgeting, reaching your financial goals, and how to improve your credit score. For more information about these topics, you can visit Smart Money’s website.
The financial counseling services through Lansing Automakers are available six days a week, Monday through Saturday. You can reach the counselors through the website or toll-free at 1-877-332-2235.
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