If you are a college student looking for a credit card ideal for helping you build credit, then you should review the Provident Credit Union Visa College credit card. The Visa College credit card is designed for those of you who have no credit or have the beginnings of a credit history started.
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The Visa College credit card is not for members who have already established credit. If you have good established credit, you should find a credit card with a better APR and higher credit limit than this credit card has to offer.
An Overview of the Provident Credit Union Visa College Credit Card
Like all of the credit cards offered by Provident, the Visa College credit card is a rewards credit card. You are able to earn one point for every $1 that you charge to your credit card. There’s no cap on the points that you can earn, but if you don’t use them within four years of earning them, then you’ll lose your points.
You’ll also qualify for travel accident insurance and rental car insurance when you pay for travel using your Visa College credit card.
You should keep in mind that the credit limit for this credit card will never be very high, which means travel purchases will probably be limited.
Because this is a Visa, you qualify for Visa’s fraud liability protection program. Essentially, this program is in compliance with the “Lost or Stolen Credit Cards” part of the Truth in Lending Act established for all credit card companies by the Federal Reserve.
The Terms of the Provident Credit Union Visa College Credit Card
The nice thing about the Visa College credit card is that it has very few fees. There is no annual fee or balance transfer fee. The cash advance fee is $4 or 2%, while the foreign transaction fee is 2%. If you have a late payment or a returned payment, the fee will not exceed $15 for either.
The six-month introductory APR for the Visa College credit card is 10.65%. After that, the APR will be 16.65%, regardless of what your estimated credit score happens to be.
Applying for the Provident Credit Union Visa College Credit Card
In order to apply for the Visa College credit card, you have to be a member of Provident Credit Union. Once you are a member, you can apply for the credit card online. However, you will not receive instant notification of the results–that information will come in the mail.
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