The Travis Credit Union Classic Visa allows cardholders to build a stable credit file over time while avoiding excessive credit card fees. The interest rate is fairly high, but the credit restrictions are low. The 18.99% interest rate cannot go up unless you give consent to Travis Credit Union, per new credit card laws enacted by the federal government. If you have any type of account with the Travis Credit Union, you can speak to a representative, send in your application, and get a quick response.
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Geared toward both young adults and consumers that are looking to improve their credit scores, the Travis Credit Union Classic Visa has no default interest rate and the set APR will allow you to calculate your expenses down to the penny. Billing cycles run 25 days, but note that all of your purchases will have interest applied when your transactions are completed.
Travis Credit Union Classic Visa Terms
If approved for the Travis Credit Union Classic Visa, you will pay 18.99% interest on cash advances, purchases, and balances. Any credit card that has a higher interest rate can be transferred over to your Travis CU Classic Visa card and you won’t pay any extra charges. If your credit card payment cannot be processed, or if you have insufficient funds in your payment account, Travis Credit Union can charge you a $15 returned credit card payment processing fee.
Late fees for the Travis Credit Union Classic Visa are $15. Special rules may apply when you want to you use credit card while outside of the U.S., and the foreign transaction interest rate that is applied to purchases is 1%. The fee for replacement credit cards from Travis CU is $5.
Travis Credit Union Classic Visa Details
All Travis Credit Union Classic Visa credit card applicants will have their credit reviewed. The $25 annual credit card fee only applies if you want to become a ScoreCard Rewards member.
This credit card can be promoted to a different Travis Credit Union card with lower interest rates if you continuously make on-time payments.
Authorized users can be added to this card as allowed by Travis CU.
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