If you’re looking for a credit card that’s uncomplicated, then you might be in the market for a classic credit card. Typically, a classic credit card, such as the Premier America Credit Union Visa Classic credit card, is a no-fuss credit card that’s easier to get than other types of credit cards.
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As a member of the Premier America Credit Union, you have the option of choosing between several different credit cards. If you have less-than-perfect credit, but you’ve established a pattern of good behavior on your credit report, then the Classic Visa credit card may be for you.
Premier America Credit Union Visa Classic Credit Card Benefits
As mentioned above, this is a no-fuss credit card.
The only benefits offered to people who sign up for this credit card include accident insurance, no annual fee, and a 25-day grace period for all new purchases.
There is a minimum of a $1,000 credit limit for those who qualify for this Visa Classic credit card. There is no indication, however, of what the maximum credit limit might be.
Premier America Credit Union Visa Classic Credit Card Terms
The terms for this credit card are all compliant with the Credit Card Rules of the Federal Reserve, with one exception. According to the terms and conditions of the Premier America Visa Classic card, Premier America will apply the penalty APR for this card to the existing credit card balance, as well as any future balance, should you be in a position where the penalty APR applies.
However, according to the Credit Card Rules, any change in APR, including a penalty APR, can only apply to any new balance, and cannot apply to your existing balance, unless you are several months past due. It’s possible that these terms and conditions have not been updated since the new Credit Card Rules came into effect. Any terms and conditions you receive at home should have the updated information.
The APR for this credit card is 15.4% with a penalty APR of 25.55%. The fees for the Visa Classic credit card are minimal, and only apply to ATM fees and foreign transaction fees.
Premier America Credit Union Visa Classic Credit Card Verdict
If you have a rough credit history, and you need a credit card with a decent credit limit, then this credit card could be perfect. However, keep in mind that, before you accept this credit card, you should read all the terms and conditions that are presented to you in writing.
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