If you’re a member of the Tyndall Federal Credit Union, then you’re probably already aware that they offer two credit cards from which you can choose. For those of you with absolutely great credit, they offer the VISA Gold Basic credit card. If you have good credit to perfect credit, there’s the VISA Gold Premium credit card.
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Only members of the Tyndall FCU qualify to apply for the VISA Gold Premium credit card. If you live in one of the following counties in Florida or Alabama then you can apply. These counties include Washington, Bay, Walton, Franklin, Calhoun, Okaloosa, Gulf, Holmes, Jackson, Houston, Mobile, and Baldwin.
Tyndall VISA Gold Premium Credit Card Benefits
The benefits for this credit card include:
- 11.9% APR
- ScoreCard Rewards Program
- No ATM Fees
- No Cash Advance Fees
- No Annual Fee
The rewards program allows you to earn a bonus point for every $1 that you spend. The expenditures have to be for qualifying purchases, which means balance transfers and cash advances do not apply to earning points.
You can redeem your ScoreCard points for airline miles, merchandise, gift cards, and more. Points do expire after five years, but there’s no maximum amount that you can earn.
Tyndall VISA Gold Premium Credit Card Terms
The first thing you’ll probably want to know is that all of the terms are compliant with the Credit Card Rules from the Federal Reserve. This includes the fact that, if you do not report a lost or stolen card immediately to Tyndall, then they will hold you completely responsible for any unauthorized purchases made on your credit card. However, they also need to prove that you were negligent with the handling of your credit card.
There’s no credit card penalty rate for the VISA Gold Premium card, and there is a 25-day grace period after each new purchase before you will be billed interest on that purchase. This gives you the opportunity to pay off your debt without having to pay interest on it.
Tyndall VISA Gold Premium Credit Card Bottom Line
The starting interest rate for this credit card is a little bit high as compared to other credit unions, but it’s not too bad as compared to other credit card companies.
The interest rate will not exceed 12.9%, which makes this a credit card only for people with good to perfect credit and not for people with fair or bad credit.
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