The Los Angeles FCU Student Classic Visa card has a standard interest rate and a low credit limit, which helps parents and students to feel more financially secure. Because student credit cards are marketed to young adults with little experience with finances, the Student Credit Card Protection Act of 2009 has been updated to prevent credit card companies from exploiting this consumer group.
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While the Los Angeles Federal Credit Union asks all student credit card applicants to supply documentation proving their full-time enrollment status, these safeguards help them to ensure students of a low interest rate. In lieu of a credit card co-signer, applicants may include proof of income at the time of application. Los Angeles FCU also requires currently enrolled students to have a 2.0 GPA in order to be approved.
Los Angeles FCU Student Classic Visa Credit Card Interest
Currently, the Los Angeles Federal Credit Union Student Classic Visa credit card has a 12.65% APR. Newly accepted cardholders can benefit from the 2.9% APR intro rate for a period of six months. The 17.9% penalty APR becomes applicable only when cardholders do not make two payments in a row.
The credit card late fee on the LA FCU Student Classic Visa is $20. When used while abroad, a 1% foreign transaction fee is applied. Los Angeles FCU does not charge a higher interest rate for cash advances, but a $2.50 convenience charge is applied when cash is withdrawn at ATMs or from bank tellers.
Los Angeles FCU Student Classic Visa Credit Card Options
All credit cards through Los Angeles Federal Credit Union can be personalized.
Although this service is not free, cardholders can customize their credit cards an unlimited number of times. The maximum credit limit on the LA FCU Student Classic Visa card is $1,000.
Anyone that is at least 18 years of age, recently graduated from high school, or maintaining a 2.0 GPA average at an institution of higher learning can be approved for the Los Angeles Federal Credit Union Student Classic Visa. Students that are not Los Angeles FCU members can still qualify if their parents have an active bank account.
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