The LGE Community Credit Union Visa Platinum credit card is a no annual fee credit card. Because it is offered by a credit union, it also has lower rates than many other cards.
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LGE Community Credit Union offers two different Visa cards. The Visa Platinum is for those members who already have established credit. For those who are still building credit, the Visa Achiever credit card is a better option.
The LGE CCU Visa Platinum Credit Card Advantages
Cardholders of the Visa Platinum from LGE Community will pay no annual fee, no application fee, no balance transfer fees, and no cash advance fees. The APR for purchases, transfers, and cash advances is 12.05%. There is a 25-day credit card grace period, but only for purchases.
For anyone who travels overseas, this card offers an extra benefit: The International Service Assessment–the fee paid on a foreign currency purchase–is only 1%.
According to MSN Money’s article on “How to beat annoying bank fees“, most credit cards charge as much as 3% per transaction.
The LGE Visa Platinum will be monitored 24 hours a day, every day, by Visa’s Fraud Detection Service. This free service looks for inconsistencies that could indicate your card has been stolen. If something is suspected, a representative will call you and verify the purchase with you. If the activity was fraudulent, the card can immediately be blocked, saving the cardholder time and aggravation.
This card also offers the Verified by Visa program. This is also a free service, though you’ll need to register the card with the system. They will ask you to create a password that will be required to buy anything online.
LGE CCU Visa Platinum Credit Card Benefits
As a Platinum cardholder, you’ll also receive some perks, especially when you use the card for travel. You’ll be eligible for $500,000 accident travel insurance and lost luggage reimbursement for your checked bags on flights. The card will also cover the car rental collision damage waiver, saving you from purchasing one at the rental counter.
When your plans are paid for with the card, you can also get up to $2,000 in trip cancellation insurance and $300 in trip delay insurance. If you’re choosing the best credit card for your lifestyle and you travel a lot, this might be a card you consider.
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