Michigan State University Federal Credit Union Visa Platinum Credit Card

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Michigan State University Federal Credit Union Visa Platinum Credit CardIf you’re someone who wants a lot of buying power, but also wants a credit card that doesn’t break the bank in terms of interest if you decide to carry a balance on the credit card, then the Michigan State University Federal Credit Union believes that you should consider the MSU FCU Visa Platinum credit card. This Visa credit card offers low starting interest rates for those who qualify.

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There are two things you’re going to need in order to qualify for this credit card. The first thing is a fantastic credit score, although those of you with very good credit may also qualify. The other thing you’re going to need is a bank account with the Michigan State University FCU.

Michigan State University FCU Visa Platinum Credit Card Qualifications

This Platinum Visa credit card isn’t a credit card with rewards. This is why it has a lower starting interest rate than the Visa Platinum Plus credit card. There is a little bit of leeway in terms of your credit score with this credit card if you don’t mind paying a much higher APR.

What you need to understand is that if you have had any recent bumps on your credit report, you will not qualify for this credit card. If, however, you have had a clean credit history and a great credit debt-to-income ratio for the last four to five years, then it’s possible for you to qualify for this credit card even if you have older incidents on your credit report.

Some exclusions to this are foreclosures, bankruptcies, and judgments. If you have any of these items on your credit report, you will be unable to qualify for this credit card.

Michigan State University FCU Visa Platinum Credit Card Terms

The interest rate for this credit card is fixed. What this means is that this rate will not change with the prime rate as determined by the Federal Reserve. The APR for this credit card starts at 8.9% and can go as high as 17.9%–this rate applies to cash advances and balance transfers, as well as purchases.

Other terms for this credit card include:

  • 17.9% penalty APR
  • 1% fee for ATM transactions
  • 3% fee for foreign transactions
  • $15-$25 late payment fee
  • $25 return payment fee
  • No annual fee
  • No interest for first 25 days after purchase

Michigan State University FCU Visa Platinum Credit Card Verdict

If you can qualify for the lowest interest rate for this credit card, then it’s a really great deal. If you qualify for the highest interest rates but you have decent credit, you may want to think about other credit card options.

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