If you need a low interest credit card with a high credit limit, the Los Angeles Federal Credit Union Visa Platinum line of credit cards should suit your lifestyle well. You will never need to pay more than 3% of your outstanding credit card balance each month and Los Angeles FCU makes it easy for customers to choose from various available payment methods. The Massachusetts Office of Consumer Affairs and Business Regulation, in a webpage on “Credit Card Secrets,” provides helpful facts that will help you to better understand credit card terminology.
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This credit card from the Los Angeles Federal Credit Union has a maximum credit limit of $35,000, which may be attractive to many consumers. Emergency travel assistance services are also provided to all Los Angeles FCU Visa Platinum credit cardholders.
Los Angeles FCU Visa Platinum Credit Card Benefits
Consumers worried about making online purchases safely will be happy to learn that this credit card is attached to the Verified by Visa program.
Paperless billing is also an option.
Los Angeles FCU also provides a yearly credit card billing statement summary on accounts that are at least one year old.
Customers also have the benefit of participating in the warranty manager service, which insures all product purchases made with their LA FCU credit cards. The Los Angeles Federal Credit Union Visa Platinum card also features an online credit card application, where visitors can apply for credit union membership and this personal credit card at the same time.
Los Angeles FCU Visa Platinum Credit Card Rates
The Los Angeles FCU Visa Platinum credit card currently comes with a 2.9% intro APR. After that, accountholders pay a fluctuating 8.9% interest rate. Cardholders may be hit with a default interest rate of 17.9% if their accounts become two or more months delinquent.
The foreign transaction fee on the LA FCU Visa Platinum is 1%. A $20 late fee can be assessed if the credit card’s minimum monthly payment is not paid on time. Cardholders will also be responsible for paying a $5 overdraft fee if they go over the limit.
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