Vons Employee Credit Union Share Secured Visa Platinum

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Vons Employee Credit Union Share Secured Visa PlatinumAccording to the Federal Trade Commission, and its credit facts for consumers, one of the best ways to establish credit is to use a secured credit card. There are many credit unions, banks, and credit card companies that offer secured credit cards. One offer from a credit union is the Vons Employee Credit Union Share Secured Visa credit card.

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This credit card was once called a platinum credit card. However, Vons has removed the designation from all of its credit cards, instead choosing to call them by their type. In this case, this credit card is simply called the Share Secured Visa credit card.

Vons Employee Credit Union – How to Qualify

As long as you can open a savings account with Vons Employee Credit Union, then you can get this Share Secured Visa.

In order to open a savings account for this purpose, you first must meet the membership requirements.

Then you must have a savings account balance of $250 or more.

There is a $10,000 limit for your credit line for the Share Secured Visa. In addition, Vons will continually check your credit every six months and let you know when you qualify for an unsecured credit card with the credit union.

Vons Employee Credit Union – Terms

Because this Visa is a secured credit card, Vons will report all your card usage to the major credit bureaus. As such, you’ll be held under the same requirements that you would for any kind of credit card. This means making a monthly payment (in this case, it’s 2% of your daily balance or $15, whichever is greater), as well as paying interest on your purchases.

The APR for the Share Secured Visa is 10.9%. This rate is fixed and is not dependent upon your credit score–it will be 10.9% no matter who you are. There may be exceptions to this; however, Vons will have to let you know in writing if for some reason you don’t qualify for the 10.9% APR.

Vons Employee Credit Union Share Secured Visa Credit Card – Verdict

The terms for the Share Secured Visa are relatively good, with a great starting interest rate. There is no annual fee, no ATM fee, and no balance transfer fee, making this an excellent low-fee, low-interest rate credit card.

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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