If you find that you are spending all of your time at the local home improvement store buying upgrades for your home, then perhaps you should be rewarded while you make those purchases. That is what the Wisdom Financial Services credit card, Rewards VISA card, claims to offer.
Wisdom Financial Services Incorporated is a bank that specializes in home loans. They offer standard home loans, ARM mortgages, FHA loans, VA loans, interest only mortgages, reverse mortgages and more. Find and compare more credit cards online, now!
In order to apply for the Wisdom Financial Services Incorporated credit card, you don’t have to be a borrower from their institution; you simply have to meet their credit requirements. You need good to excellent credit to qualify; however, if you have good credit, you can’t have any delinquencies, bankruptcies or judgments on your account.
Wisdom Financial Services Credit Card – What You Need to Know Before You Apply
Before you apply for this card, you need to be aware of your credit history. As mentioned above, although they accept people with lower credit scores, you cannot have any recent bumps or bruises on your credit.
The interest rates for this card will vary from 12.24% to 22.24% for purchases, depending on what your credit score is. There is an introductory APR for balance transfer credit card transactions of 0% for 6 moths. After that, the APR will be the same as it is for purchases. There is a penalty APR for late payments of 27.99%.
This is a no annual fee credit card and it is a rewards credit card. You will earn 1 point for every $1 you spend on the card. If you use the card at home improvement stores you will get 2 points for every $1 you spend.
Wisdom Financial Services Credit Card Benefits
- No annual fee
- Low starting interest rate
- Don’t need perfect credit to qualify
- Earn rewards points when you shop
Wisdom Financial Services Credit Card Bottom Line
This isn’t a bad card, however, there is no indication of how, where and for what you can spend your points. In addition, if you have had any credit “bumps” over the last year, then you won’t qualify.
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