The Pacific Service Credit Union Visa Platinum Starter credit card may be good for credit union members that want to build credit for the first time, but it may not be suitable for credit rebuilding purposes. This starter credit card is designed for young adults that have an affiliation with the Pacific Service CU and desire to establish their first credit lines. New federal credit card laws do require credit card companies to accept credit card applications for youths under the age of 16 only when they have co-signers, but the Pacific Service CU Visa Platinum Starter has few other specifications.
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Packed with features reserved only for preferred Visa branded credit card holders, the Pacific Service Credit Union Visa Platinum Starter credit card also gives consumers the occasional break. The “skip a payment” feature can be useful if you’re running short on cash or simply want to take a month off from paying bills. Applicants need to be Pacific Service Credit Union members in order to be approved, as well as have a co-applicant that is at least 18 years of age.
Pacific Service CU Visa Platinum Starter Credit Card Terms
All cards from the Pacific Service Credit Union have a credit card variable interest rate of 8.9% to 13.9%. Because Pacific Service Credit Union Visa Platinum Starter credit card accountholders do not have credit history, it is likely that they will be assigned a higher APR.
No annual fee is charged to Pacific Service CU Visa Platinum Starter credit cardholders and there are few other convenience fees.
To take advantage of the “skip a payment” option, a $25 fee must be paid.
Pacific Service CU Visa Platinum Starter Credit Card Features
A life and disability insurance policy is made available as soon as your application for the Pacific Service CU Visa Platinum Starter credit card is accepted. This insurance plan will assist you and your relatives in making your monthly minimum credit card payments in the event that you are disabled or deceased.
Online identify theft security programs like the Verified by Visa initiative are provided to credit cardholders at no additional charge. You may also receive extended warranty coverage on the purchases you make with your Pacific Service CU Visa Platinum Starter card.
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