With the Vantage West Credit Union Visa Classic card, you can prevent your credit union checking account from going into overdraft status and even transfer other high APR credit card balances over quickly and efficiently. If you are not eligible to join the Vantage West Credit Union, you can still apply for a credit card if you are associated with a qualified member.
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Applicants can receive up to $20,000 in credit on the Vantage West Credit Union Visa Classic credit card, but only those that have great credit scores will receive the maximum amount. Literature from the Federal Trade Commission shows that credit card debt can easily be settled with the original creditor. However, defaulting on your credit card debt will make it harder for you to qualify for the Vantage West CU Visa Classic card.
Vantage West CU Visa Classic Credit Card Benefits
In addition to receiving a minimum of $500 in credit, Vantage West Credit Union also offers no fees on balance transfers and no penalties for paying off your account balance ahead of time. You can make a balance transfer onto the Vantage West CU Visa Classic card to reduce interest charges on your other credit cards or you can request a cash advance to pay off a major bill.
Additional benefits are available to all Vantage West Credit Union Visa Classic cardholders, courtesy of the ScoreCard Rewards program. However, be aware that not all charges made with your credit card qualify for credit card rewards points.
Vantage West CU Visa Classic Credit Card Options
You cannot customize your Vantage West Credit Union Visa Classic credit card, but you can use it as a virtual security net.
Attach this low-interest credit card to an existing Vantage West CU account and you will never go into the red.
Instead, the credit card will act as overdraft protection on your credit union account.
All purchases, balance transfers, and cash advances made with the Vantage West CU Visa Classic line of credit cards are subject to a variable 17.95% interest rate. There is an annual charge of $25 that is due as soon as your credit card application is successfully processed.
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