Robins Federal Credit Union Visa Classic (Variable) Credit Card

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Robins Federal Credit Union Visa Classic (Variable) Credit CardThe Robins FCU Visa Classic variable credit card is a basic credit card offered by Robins Federal Credit Union. A basic credit card is one that generally offers no additional features, such as a rewards program or cash back.

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While the Robins FCU Visa Classic variable credit card is not a rewards credit card, it does offer a few benefits that make it worth giving it more than just a passing glance. One major benefit is that you don’t have to have perfect credit in order to qualify for the Visa Classic variable credit card.

Robins FCU – What Variable Really Means

A variable rate is an interest rate that can vary based on certain parameters. In the case of the Robins FCU Visa Classic credit card, the variable rate is based on the U.S. prime rate, which is determined by the Federal Reserve.

If the prime rate were to change, then Robins FCU would be allowed to change the APR on this credit card without informing you in writing in advance. A 45-day advance notice is usually required by the Federal Reserve‘s Credit Card Rules for many changes, but this rule does not apply to the APR here because it is fully established that the rate is variable in the terms and conditions of your credit card contract.

Robins FCU Visa Classic Variable Credit Card – Terms

Included in the terms for your Visa Classic variable credit card is fraud protection from Visa. In addition, you also receive rental car insurance if you rent your car using your credit card.

You’ll also find that there are no cash advance fees or balance transfer fees for this particular credit card.

The APR for the Visa Classic variable credit card will range between 11.95% and 18%. Your credit score needs to be at least 620 to be considered for this credit card. Naturally, there are other variables used to determine your creditworthiness.

Robins FCU Visa Classic Variable Credit Card – Verdict

The maximum credit limit for this Visa Classic credit card is $15,000, which makes the Robins FCU Visa Classic variable credit card one that can help establish good credit for you, especially if you maintain a low balance. The APR is a little high considering it’s not a rewards credit card, but if you have bumpy credit the APR isn’t bad.

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