Nearly everyone, at some point or another in their life, has applied for their first credit card. Usually, it is an exciting and memorable experience, and can be made even better when the card you open is flexible and affordable, with excellent customer service. The First Card Visa Platinum Card from Northwest Federal Credit Union offers all of those benefits and more, for someone between the ages of 15 and 22 who is looking to start off on the right foot when it comes to credit cards.
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While the First Card offers many benefits to first-time cardholders, Northwest FCU requires all applicants to complete a ten-question online quiz to be sure that you understand the importance of being responsible with credit. Your results do play a part in whether or not you are approved for a card.
Interest Rates with the Northwest FCU Visa First Card Platinum Credit Card
The annual percentage rate for the FirstCard Visa is a fixed credit rate of 9.99%. This is an extremely low rate, especially considering most of the cardholders will not have very much established credit. This rate is fixed and will not change based on the prime rate, like the other Northwest FCU credit cards.
There are no fees associated with cash advances or balance transfers, although most of the FirstCard cardholders will not have any other credit cards that have a balance to transfer. In addition, like the other cards offered by Northwest FCU, using the card entitles you to up to $500,000 of accident insurance, as well as fraud protection in case your card is lost or stolen.
Applying for the Northwest FCU Visa First Card Platinum Credit Card
If the applicant is less than 18 years of age, there must be a credit card joint account holder or co-signer on the application for the Northwest FCU Visa First Card Platinum card.
If the applicant is between 18 and 22, they do not need a co-signer, but must have a steady, provable source of income.
Additionally, if you require a co-signer, you cannot complete an application online. It must be printed and mailed in.
According to a recent article from the San Francisco Chronicle, more and more students are relying on credit cards to help pay for vacations during spring break. Depending on your financial situation, this might not be the best use of your new student credit card.
Find the perfect credit card by using the FREE credit card chaser!
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