If you are looking for a good first credit card and belong to the Municipal Credit Union, you should look into the Municipal Credit Union Visa Classic credit card. It is a simple card that gives you access to a possible $5,000 credit line.
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If you don’t currently have a credit card, it would be good to get one in order to start building up your credit history. It is also important to understand how credit cards work and how to treat them responsibly so you don’t get into debt.
MCU Visa Classic Credit Card Information
The classic Visa from Municipal Credit Union is not a card that offers a lot of bonuses such as rewards points or travel insurance, but it is a good starter card. It does not have an annual fee and can be used anywhere Visa cards are accepted as payment.
The interest rate you will have on the card will be based on your credit history and score. Your credit line, which can be up to $5,000, will also be based off your score. If you are young or have a poor credit history, you will probably have a lower score. For tips on how to raise your credit rating visit the myFICO website and read the article on “How to Repair Your Credit and Improve Your FICO Credit Score.”
You can apply for the Visa card through the credit union’s website. You do need to be a member in order to apply for this credit card or any other financial account with the Municipal Credit Union.
Municipal Credit Union Information
Around since 1916, the Municipal Credit Union is based out of New York City. There are a number of ways to become a member. Employees of a wide variety of industries based in the state of New York are eligible.
You may eligible for membership through a number of organizations, if you are related to a member, or if you live in the same place as a member.
For specific eligibility requirements, go to the credit union’s website or visit a local branch.
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