Low Rate MasterCard from Companion Credit Union

The privileges that one can enjoy as a result of holding a credit card can be phenomenal. Card users will find a great many further privileges with the HSU Members Credit union Gold Solutions Visa credit card. The interest rates and annual fees on this card are competitively lower than other credit cards, not to mention the free rewards program that offers cash back cervices at a rate is of $1 reward for every $100 bill spent. Interestingly, these are redeemable at any Electronic Funds Transfer Point of Sale (EFTPOS).

When seeking membership with any credit card company, it is always advisable to scrutinise the benefits that one stands to gain from such a venture. The HSU Members Credit Union Gold Solutions Visa Credit card has a few intriguing benefits, some of which are outlined below:

Interest rate: The interest rate, which is currently 14.95% p.a., is considerably lower than what is offered by other cards and is also helpful on short term credit purchases since it allows the holder to operate the card at a reasonable price

Interest free purchases: This card has a 55 day interest free period attached to most retail purchases. Looked at in another way, any balances paid off within this period are interest free and hence, produce lower balances.

Simple application procedure: the ability to apply online for this card is a great boost in an industry where more and more credit card applications are becoming very complicated. Furthermore, there is an option to print out the application online and mail or drop it at a service centre. Applicants can also dial a 1300 number to get more insight into the whole process.

Purchase protection: Theft, damage or loss of items purchased using this card are fully covered, leaving the user to focus on the best deal out of the purchase rather than the security of the purchased items.

Caution

Credit card companies are not charities and anything introduced as an offer does not always have the full benefit of the user or customer at its heart. It is important to take a keen interest in the terms, conditions and fees in a card and compare these to other cards.