Michigan Schools and Government Credit Union Visa Titanium Credit Card

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Michigan Schools and Government Credit Union Visa Titanium Credit CardThere are a lot of credit cards that claim they offer special treatment for people with perfect credit. However, what you find is that many of these so-called premier credit cards have very high interest rates as part of their package, which can be a turnoff for people with excellent credit scores.

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The Michigan Schools and Government Credit Union claims that their Visa Titanium credit card is a premier credit card that acts like a premier credit card. They believe that you’re going to love the low interest rates and simple to use programs; keep reading to learn if this is true!

Michigan SGCU Visa Titanium Credit Card Overview

To begin, this credit card offers a 9.75% fixed APR. This APR is based upon your credit score, so if you don’t have completely perfect credit you can expect to pay a little bit more for your APR. However, it will not go higher than 12.75%.

There is no rewards program for this credit card. This is perhaps the reason that this credit union can keep the interest rates lower than other credit cards that require perfect or nearly perfect credit in order to qualify.

The Visa Titanium credit card is a card with virtually no fees. There are no fees for any transactions other than a credit card foreign transaction fee of 1%.

There are no fees for balance transfers or cash advances and the APR is the same for any type of use.

The only penalty fee for this credit card is a late payment fee, which is $25. You will not pay a fee if you’re over the limit on your credit card or if your credit card payment is returned. However, this credit union does have the right, according to the Federal Reserve, to close your account if you should go over your limit or have a return payment.

Michigan SGCU Visa Titanium Credit Card Benefits

The benefits for this credit card include:

  • Low fixed APR
  • $5,000 starting credit limit with no maximum
  • No annual fee
  • No balance transfer or cash advance fee

Michigan SGCU Visa Titanium Credit Card Verdict

This credit card has great APRs and offers strong buying power. There are two downsides to this credit card. One is that you have to qualify for membership, which means working for the schools and or government in Michigan. The other downside is if you don’t have really good credit, you can’t qualify for this credit card.

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