The Vantage West Credit Union Visa Platinum line of credit cards are strictly reserved for well-qualified applicants that are active members. Although major banks and credit unions are subject to the same credit card laws, CNN reports that banks may be more likely to abuse consumers. Vantage West Credit Union only serves a small number of consumers in the Phoenix area, so you are more likely to get preferential treatment and courtesies through this financial institution than at a big bank.
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Online credit card applications for cards like the Vantage West Credit Union Visa Platinum card are available in addition to standard paper applications. The least amount of credit given on the Vantage West CU Visa Platinum credit card is $500. You need to be at least 18 years old to apply but, given the fact that this is a premium credit card, those with no credit history may be better off applying with a co-applicant.
Vantage West CU Visa Platinum Credit Card Terms
The Vantage West CU Visa Platinum has the lowest APR offered by this credit union. At 8.25% interest, cardholders can easily keep up with their payments, whether they pay in full or just the minimum amount due each month.
Another big advantage that comes with this credit card is the lack of an annual fee.
If you need to take out a cash advance, you will only pay the 8.25% interest rate. Most other credit card companies charge cash advance convenience fees, but no such charge is applicable with this card.
Vantage West CU Visa Platinum Credit Card Restrictions
Vantage West Credit Union gives cardholders numerous ways to access their accounts online and over the phone, but branches are only located in the state of Arizona. Also note that funds from any bank accounts that you have with Vantage West Credit Union can be used to satisfy delinquent or defaulted credit card debts.
Instant approval is not available via this online credit card application, but you can call the customer service hotline to check on the status of your pending application. Applicants for the Vantage West Credit Union Visa Platinum credit card can be denied for any reason.
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