This credit card is a nice rewards credit card that lets the cardholder earn 1% cash back on all of their purchases. Since this is a Visa credit card, the cardholder is also eligible for travel accident insurance and rental car coverage. The low fixed interest rate and limited number of fees also make this card a desirable choice for members of the Whatcom Education Credit Union.
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There are many sources that help credit cardholders stay informed about what is happening in the credit card industry. All cardholders should be knowledgeable about this, since the littlest change can greatly affect their monthly payments. The FDIC website has many great articles about using credit cards and what is happening with credit cards today.
Whatcom Educational Credit Union Highlights Rates
This special credit card has a very low fixed interest rate of 12.9%. This rate applies to balance transfers, purchases, and cash advances.
It is very unusual to find a credit card that charges the same interest rate for cash advances as purchases.
The cash advance interest rate is typically much higher than the other two interest rates.
Since this rate is so low, it would be a great credit option for the cardholder wishing to take a credit card cash advance. The most common form of cash advance is a credit card check. A credit card check works the same way as any other type of check except that the money is taken from the credit card balance instead of a checking or savings account.
People usually do not write credit card checks because of their additional fees and interest, unless it is a significant purchase that they can make in no other way.
Whatcom Educational Credit Union Highlights Fees
There are not as many fees for this card as there are for most credit cards. There is no annual fee and there are no fees for credit card transactions. No transaction fees mean there are no extra charges for cash advances, balance transfers, or foreign transactions. There is a fee for late payments of 5% of the minimum payment due, with a minimum fee amount of $15.99.
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