Palmetto Citizens Federal Credit Union Visa Classic Credit Card

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Palmetto Citizens Federal Credit Union Visa Classic Credit CardThere are different stages of credit scoring that occur over the life of a borrower (yes, getting credit is the equivalent of borrowing money). Before you apply for any credit card, you should know your credit score and your credit history, which you can get for free annually from Annual Credit Report.

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Your credit score and credit report will determine what kind of credit card for which you can apply. If you are at the stage in your credit history where you have some credit but not a lot, or you are rebuilding your credit, then you might want to consider the Palmetto Citizens FCU Visa Classic credit card.

Qualifying for the Palmetto Citizens FCU Visa Classic Credit Card

This Visa Classic credit card isn’t a credit card for people with bad credit scores–you still have to have some good credit in order to qualify for it. The major thing with this credit card is that you can have some troubled credit history and only need a year or so of good credit in order to still qualify for the credit card.

What confuses many people is that it’s not only your credit history that is used to determine whether or not you can qualify for a credit card. In addition, the credit union will use your debt-to-income ratio, whether you rent or own your own place, and many other factors to determine your creditworthiness. You can learn more about this from the Federal Reserve.

Understanding the Palmetto Citizens FCU Visa Classic Credit Card

Before you apply for this credit card, there are a couple of things that you’ll want to know. First, thisĀ is a rewards credit card, which is the case for all of the credit cards offered by the Palmetto Citizens FCU.

Another thing you’ll be interested in is the APR, which starts at 12.5%. This is a very good rate for someone with bumpy credit!

You might also be interested to know that the Palmetto Citizens FCU reserves the right to review your credit periodically to determine if your creditworthiness stays the same.

If your credit score improves, you may receive a credit card with a lower interest rate; if your credit score gets worse, the credit union may close your account completely.

Lastly, you’ll want to know that there are no annual fees, balance transfer fees, or ATM fees for this credit card. In addition, you will not be charged a penalty APR if you miss any payments.

Palmetto Citizens FCU Visa Classic Credit Card Verdict

As with most of the Palmetto Citizens FCU credit cards, the Visa Classic card does offer a lot of benefits. With low fees and a fairly low interest rate, this is a credit card that should be reviewed when considering your choices.

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