Palmetto Citizens Federal Credit Union Visa Gold Credit Card

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Palmetto Citizens Federal Credit Union Visa Gold Credit CardIf you’re looking for a credit union that offers low interest credit cards with few fees but that also doesn’t make you jump through hoops to become a member, then you’ll want to check out the Palmetto Citizens Federal Credit Union.

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The Palmetto Citizens Federal Credit Union offers several credit cards from which to choose. Most of their credit cards offer the same terms; however, in order to qualify for the lowest interest rates, you’ll have to meet their criteria. You can find out a little more about credit card terms and rules visiting the Federal Reserve’s website for credit card information.

Qualifying for the Visa Gold Credit Card from the Palmetto Citizens FCU

In order to qualify for the Visa Gold credit card from the Palmetto Citizens FCU, you’ll need to have very good to perfect credit. This isn’t the only credit card by Palmetto Citizens FCU that requires this type of credit; however, you can have a few issues on your credit history providing the issues are several years old, and still qualify for this credit card.

In order to apply for the Visa Gold credit card, you will have to be a member of the Palmetto Citizens FCU.

In order to become a member you don’t have to work at any special job, nor do you have to be a part of any particular organization. However, you will have to live in one of these South Carolina counties: Fairfield, Lexington, Newberry, or Richland.

You can also work, go to church, or go to school in one of these counties and qualify for membership. In addition, if you are directly related to a member, such as a spouse, child, parent or sibling, then you can also qualify for membership, regardless of where you live.

Terms and Rules for the Visa Gold Credit Card from the Palmetto Citizens FCU

The interest rate for this credit card will begin at 10.75%. The only fees, outside of the APR, that you will have to pay on this card will apply only if you go over your credit limit. This credit card over-limit fee will be $15 or, if you are at least ten days late on your payment, it will cost you $25 at the most.

If you plan on traveling outside of the country or making an international purchase, you will need to inform the credit union prior to your purchase. If you don’t, your card will be blocked to international purchases.

Deciding about the Visa Gold Credit Card from the Palmetto Citizens FCU

In addition to being a low fee and low interest rate credit card, this credit card is also a rewards card. You could do much worse than choosing a credit card from this credit union, and the Gold Visa should be in the running when you are making your selection.

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