The O.S.U. Federal Credit Union is a non-profit financial institution that has millions of dollars in assets and a large membership base that spans nearly the entire state of Oregon. The O.S.U. FCU Visa Student line of credit cards has several benefits but, more importantly, the cards help young adults to establish their credit files at an early age.
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A University of Minnesota study on “Credit card debt, stress and key health risk behaviors among college students” indicates that many college-aged credit cardholders are overwhelmed by financial stress associated with credit cards, which makes the O.S.U. FCU Visa Student card a valuable tool for parents and young consumers alike.
O.S.U. FCU Visa Student Credit Card Benefits
The O.S.U. Federal Credit Union Visa Student card is available for consumers that are anywhere between 13 to 18 years of age, provided that they have a parent or guardian as credit card co-signer. O.S.U. FCU Visa Student cardholders should be well-versed in credit card laws and terms by the time that they are able to qualify for a personal or student credit card that requires no additional guarantors.
Besides giving adolescent consumers the opportunity to build good credit several years before they will need it, the O.S.U. FCU Visa Student credit card benefits mature adults.
The credit limit is low enough to be manageable, but substantially sized purchases can also be made.
There isn’t an annual fee for the O.S.U. FCU Visa Student credit card, which is another measurable advantage for cardholders. Online credit card applications are available to all O.S.U. Federal Credit Union members.
O.S.U. FCU Visa Student Credit Card Interest and Fees
Since no more than $500 can be charged on the O.S.U. Federal Credit Union Visa Student credit card at any one time, any fees due will be minimal. A late payment fee in the amount of $25 will be charged when the amount due is not received within ten days after the credit card payment due date.
ATM withdrawal convenience fees do apply to the O.S.U. FCU Visa Student credit card. A fee of $1.50 will be charged when cardholders visit ATMS not within the O.S.U. Federal Credit Union network. A $4 fee can be applied when insufficient funds are in your student credit card and money is pulled from a different O.S.U. FCU account.
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