Establishing good credit is an important part of your financial future. According to the Federal Trade Commission in its credit facts for consumers, establishing good credit from the very beginning point of when you’re able to get credit will benefit you for the rest of your life.
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Secured credit cards are an excellent way to establish credit. The reason for this is that a secured credit card is treated by the credit reporting agencies like a regular credit card. Credit cards like the Robins Federal Credit Union Visa Classic Secured variable credit card are designed specifically to help you start building credit or rebuilding your credit.
Applying for the Robins FCU Visa Classic Secured Variable Credit Card
Applying for the Robins FCU Visa Classic Secured variable credit card is only possible after you become a member of the Robins Federal Credit Union.
In order to become a member of the Robins FCU, you have to live or work in any of the cities or towns in central Georgia.
There are no other requirements for membership to this credit union.
After you become a member, but before you can apply for the Visa Classic Secured variable credit card, you have to open a savings account with a minimum of $250. The maximum credit line for a secured credit card with Robins FCU is $15,000. This money can not be removed at any time and, if you choose to close your account, your credit card balance must be paid off prior to you receiving any money from the savings account.
The Benefits of the Robins FCU Visa Classic Secured Variable Credit Card
As with any credit card, there are a few benefits for choosing this Visa Classic secured credit card. These benefits include:
- No balance transfer fees
- No cash advance fees
- Visa Loan Credit Protector
- Visa Fraud Detection System
- Rental car insurance
The Robins FCU Visa Classic Secured Variable Credit Card Terms
The terms for this credit card are the same for purchases, cash advances, and balance transfers. The APR is 14.95% to 18%, depending on your credit score. As the name suggests, this rate is variable, which means it’s based on the prime rate. The maximum APR for this credit card is 18%, which is also the penalty APR, should it apply.
Use the FREE credit card chaser tool to find secured credit cards that are right for you!
- Robins Federal Credit Union Visa Classic (Variable) Credit Card
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