Students and other young adults can often find it very difficult to get approved for a first credit card with a decent interest rate. The S.A.F.E. Credit Union strives to make sure that all of its members, no matter what their age or income, have access to a good credit card with fair rates.
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Since students have very little experience with using credit cards, they can often let their spending get out of control and rack up debt pretty quickly. It is very important that young people not let their debt get too out of control or it can have serious consequences that can affect the rest of their lives. There are many great debt counseling resources available, including the National Foundation for Credit Counseling.
S.A.F.E. Credit Union Visa Student Rates
This student credit card does not offer a range of interest rates like most credit cards. Instead, the cardholder will have a constant interest rate of 17.9%. The only time this rate will change is when the prime rate changes. This interest rate applies to purchases, cash advances, and balance transfers. There is no special, low-interest introductory period for this credit card.
There is a penalty annual percentage rate of which the cardholder should be aware.
If at any time the cardholder makes a payment late or has one of their payments returned, their interest rate will immediately jump to 23.9% and stay there until they make six payments on time and in a row.
S.A.F.E. Credit Union Visa Student Fees
There are very few fees applied to this credit card when compared to many other cards. There is no annual fee, no fee for going over the credit line limit, and no fee for balance transfers. The fee for cash advances is a very reasonable 3%, with a minimum charge of $10. If the cardholder makes a credit card transaction while traveling abroad, they will be charged 1% of the entire transaction amount.
Any late payments will be charged either the minimum payment amount currently due or $15, depending on which amount is less. The returned payment fee is determined by the at-cost amount and will not be more than $10.
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