The Vermont State Employees CU Visa Platinum credit card has a fee schedule that may be initially confusing, but consumers also get benefits simply by living in the state of Vermont. With credit union membership being limited only to those that have a place of residence or are employed in Vermont, you can quickly establish if this is the right card for your needs.
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Credit Unions such as Vermont State Employees CU are preferred by finance expert Suze Orman, especially when traditional banks are not an option. Although no credit union can guarantee approval on any financial services, members of Vermont State Employees Credit Union do enjoy lower rates and relatively few additional fees.
Vermont State Employees CU Visa Platinum Credit Card Fees
The Vermont State Employees Credit Union Visa Platinum credit card has two different interest rates that can be applied.
This credit card has a statewide interest rate that applies to any charge financed by a Vermont-based retailer.
All other charges that originate outside of Vermont come at a higher rate.
To qualify for the 6.5% in-state interest rate, the party processing your credit card will need to be based in Vermont. Online merchants and out-of-state purchases made with the Vermont State Employees CU Visa Platinum credit card are financed at 10.5%. These rates are valid for all cardholders.
Vermont State Employees CU Visa Platinum Credit Card Details
Vermont State Employees Credit Union also gives credit cardholders the ability to request extra cards for people that they want to give access to their lines of credit. If you are a model customer, your credit limit can be increased to as much as $15,000.
Because this low-interest credit card can be used online, the Verified by Visa program is another big advantage. Any unknown charges originating on your credit card will be refunded, provided that you are able to prove that fraud has been committed. Payments can be made online at any time, and interest is not collected until the 25-day credit card billing cycle has lapsed.
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