Visa Platinum Credit Card (cont.)
Contributed by Rachel s Pickett
Annual percentage rates may vary from one individual to the next, but you can still expect to get a good rate. In addition to the other benefits listed above the Visa platinum card also offers purchase guard which doubles your warranty on purchases for a maximum of 1 added year of protection, purchase replacement for stolen items (up to 90 days, additional cards are free, high credit limits up to $25,000, and fraud protection. If you need emergency cash all you have to do is ask for it.
Visa platinum also includes card holder inquiry service, or what is commonly known as customer service 24 hours a day, 7 days a week. Online banking and account management are also available.
Fees and Terms of Conditions for Visa Platinum Credit Card
This is one of the many Visa credit cards that do not have an annual fee. That means there is no fee to simply carry the card. It is recommended that you keep all your credit cards active, don't just hold on to them. If you have good credit you will be offered an APR between 9.9% and 12.9%. Cash advances begin at 21.24%, but can vary up to 29.24% from one individual to the next. This card carries a grace period of 20 days and a minimum finance charge of $1.50. If you do not have good credit expect to be offered a different Visa credit card at an annual percentage rate of 13.24%-21.24%.
