While most people would prefer to have a credit card with the best possible annual percentage rate and lowest fees, sometimes it is not possible because of your credit score and history. With Peoples State Bank, you have two different options with credit cards, and if you do not get approved for the Visa Gold card, you can be automatically considered for the Visa Classic card.
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Both credit cards have similar benefits, but the Visa Classic has a slightly higher interest rate. However, based on your individual needs and usage, it may be the perfect card for you.
Rates and Fees for the Visa Classic Credit Card from Peoples State Bank
The annual percentage rate for the Visa Classic is 12.9%, which is slightly higher than the Visa Gold. However, the rate is valid for purchases and cash advances, as well as balance transfers.
If you have a card with a higher interest rate, the balance transfer rate can save you money over time.
There is no fee if you charge your card over your credit limit, but there are fees that range from $10 to $20 for a late payment or a returned payment.
More and more credit card companies are offering generic credit card with no frills and limited fees, according to a recent article featured on MarketWatch, “Credit-Card Issuers Pitch No-Frills Products.”
Benefits of the Peoples State Bank Visa Classic Credit Card
Some of the benefits of the Visa Classic credit card include advanced theft insurance. If your card is lost or stolen and used for any variety of purchases, you will not be held liable.
In addition, if you purchase items with the card and the items are subsequently stolen from a hotel or motel, you may be eligible to be reimbursed for the loss.
Additional Services from Peoples State Bank
In addition to the two consumer credit cards, Peoples State Bank also offers a business Visa credit card, as well as traditional banking products such as loans and deposit accounts.
Find all of the major credit cards available by simply clicking on this FREE link!
- Peoples State Bank Visa Gold Credit Card
- Peoples State Bank Visa Business Credit Card
- Peoples National Bank College Rewards Visa Card
- Peoples National Bank Visa Signature Card
- Peoples National Bank Visa Business Card
- American State Bank & Trust Visa (North Dakota)
- Pennsylvania State Employees Credit Union Visa Classic Credit Card