For most businesses to be successful, they will at one point or another need some type of credit card. The benefits to having a business credit card like this one offered by Mid-Hudson Valley Federal Credit Union can be numerous. As long as the cardholder does not let the debt get out of control, there really is no downside to having one of these cards.
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Having the right credit card is a great way for a business to have a financial safeguard to protect against unexpected business expenses. There are many issues that come with running a business and not all of them are financial. For guidance with the financial stuff, like tips on how to pay off debt, you can go to Suze Orman‘s financial website and read her article on “Paying Debt.”
Mid-Hudson Valley Federal Credit Union Visa Business Credit Card Rates and Fees
This credit card has an annual percentage rate that is calculated by adding 8.75% to the current prime rate.
The prime rate for credit cards can fluctuate over time, so the interest rate for this card could change without the cardholder realizing it.
This rate is the only one listed on the terms disclosure for this card, so it must apply to purchases, cash advances, and balance transfers.
There is no annual fee for the Mid-Hudson Valley Federal Credit Union Visa Business credit card. While the interest rates for the different transactions are probably the same, the fees are different. There is no fee for balance transfers with this credit card, but there is a minimal fee for cash advances. The cash advance fee is 2%, with a minimum charge of $2 and charge maximum of $20.
There is a $25 charge for late payments, stop payments, and rush card orders. If a payment is returned, the cardholder can expect a $30 fee.
Mid-Hudson Valley Federal Credit Union Membership Requirements
People have to meet certain requirements to join a credit union. This credit union requires its members to live or work in Orange, Ulster, or Dutchess County, New York.
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