Everyone needs to start somewhere when it comes to credit cards, and a Classic MasterCard like the one offered to members of the Mission Federal Credit Union is a great choice. These basic cards might not have all the bells and whistles of a rewards credit card, but they can be the first step to having an excellent credit future.
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The best way to make sure that you are doing all you can to protect and to improve your credit score is to fully understand how to handle debt properly. There are many financial sites that can help you do this. One such site is the Suze Orman website that not only has great articles, but also convenient tools like debt and compound interest calculators.
Mission FCU Classic MasterCard Credit Card Rates
Since this is a more basic credit card for which someone with a lower-than-average credit score can often qualify, it has a slightly higher annual percentage rate than some of the other cards offered by the Mission Federal Credit Union. The purchase interest rate for the Classic MasterCard is 13.9%.
When it comes to balance transfers and cash advances, the cardholder will have to pay 15.9% in interest. These interest rates are fixed credit card rates instead of the more usual variable interest rates.
Mission FCU Classic MasterCard Credit Card Fees
Certain Mission Federal Credit Union credit cards do carry a $20 annual fee, but luckily the Classic MasterCard does not.
There is absolutely no annual fee for this card.
There is a 1% fee for foreign transactions and a 2% fee of the total balance for cash advances like credit card checks and balance transfers.
If the cardholder needs to put a stop payment on a credit card purchase, they will be charged a $25 fee. If the stop payment order is for a credit card check, there will be a fee of only $15.
In the event the cardholder tries to make a purchase with a credit card convenience check and they have insufficient funds, they will be charged a $25 penalty fee. If a payment of any kind is retuned there is a $22 fee.
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- Mission Federal Credit Union MasterCard Platinum Credit Card
- Fort Worth Community Credit Union Classic MasterCard Credit Card
- American Heritage Federal Credit Union Classic MasterCard
- Advancial Federal Credit Union Value MasterCard Classic Credit Card
- United Federal Visa Classic
- Watermark Credit Union Visa Classic Credit Card
- TDECU Classic MasterCard