Consumers that have a checking or savings account with Virginia Credit Union may be tempted to apply for the Virginia CU Visa Platinum credit card, mainly because of the card’s low APR. The Virginia Credit Union is listed by the Credit Union National Association, as well as the Federal Deposit Insurance Corporation. While not as popular or as well-known as traditional lending institutions, Virginia Credit Union is still able to offer exceptional credit cards.
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Many credit cards come with low interest rates, at least initially, but the Virginia Credit Union Visa Platinum card has other attractive features.
Fees are almost non-existent with this line of credit cards.
You will need to make charges with your credit card an average of two times per month in order to qualify for the yearly statement summary.
Virginia Credit Union Visa Platinum Credit Card Terms
Even though this credit union doesn’t charge its customers any type of additional fees for balance transfers, your request will need to be properly submitted and processed before you can get a lower rate. Balance transfer requests must be made in writing, and it may take several weeks before the entire process is complete.
Every month, at least 2.5% of your total remaining credit card balance must be paid in order to avoid fees. Cardholders must also consent to periodic credit report pulls on behalf of Virginia Credit Union in order to maintain their accounts.
Virginia Credit Union Visa Platinum Credit Card Rates
With the Virginia CU Visa Platinum credit card, your interest rate may not exceed 8.9%. This is a variable APR, so some cardholders will pay more. The interest rate that is set on regular purchases will also apply to finance charges related to balance transfers and or cash advances.
Virginia CU Visa Platinum credit cards have no annual fee. Only two different types of fees can be applied to your Virginia CU Visa Platinum credit card account. Late payments amount to $35 and returned payments are set at $25.
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