One of the best things about getting a credit card through a credit union is that its rates and fees tend to be much lower than bank credit cards. The Platinum Visa available to members of the Westerra Credit Union is no different. As long as the member has a good credit score and qualifying annual income, they will enjoy the benefits of a respected Visa card with a low interest rate.
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This credit card has many other benefits other than just low interest rates. If the cardholder needs to perform special transactions like balance transfers, they cannot go wrong with the Westerra Credit Union Platinum Visa credit card.
Westerra Credit Union Visa Credit Card Rates and Fees
The interest rate for purchases and cash advances is 9.9%. For the first six months, the cardholder will only be charged 5.9% interest for balance transfers.
After this low interest period is over, the rate will increase to 9.9%.
Even at the higher interest rate this credit card is still a great choice for balance transfers. A balance transfer is a great way for someone with a balance on a credit card with a high interest rate to save money. Additionally, any time the cardholder makes a balance transfer of more than $500 to their Westerra card they will receive a $50 rebate to their account.
Another factor that makes this card a great choice for balance transfers is that there is no extra fee. There are fees for cash advances, foreign transactions, returned payments, and late payments. This credit card also has no annual fee or charge for going over the credit limit.
How to Improve Your Credit Score
If your credit score is not as high as you want it to be there are many thing you can do to improve it. The first thing is to know what your credit score actually is. Many people are surprised to learn that their score is much lower than they thought. You should also get a basic understanding of how a credit score is determined.
Once you understand this process, you will be able to make more informed choices on how to increase your score. This article from the Federal Reserve website has more information on this subject.
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