What
To Look For In A Credit Card
- Low Annual
Percentage Rate
If
you plan to carry a balance you should find a card with a low fixed
APR. The interest rate on credit union credit cards averages three percentage
points lower than the rate on cards issued by banks, according to Greg
McBride, a financial analyst for Bankrate.com. Team One offers low,
fixed rates starting at 9.9% APR.
- No Annual Fee
Don’t pay to carry someone else’s card. A Visa from Team One has No
Annual Fee.
- Customer Service
Knowing who you’re dealing with means a lot. With many credit
card companies, you have to call an 800 number in another state where
you don’t know who is helping you. Here at Team One, you can
always speak with a friendly member service representative during
business hours and you can access your Team One Visa account information
online
24/7 at www.ezcardinfo.com.
At Team One you’re treated like
a person, not a number.
- Fees
Some of the nation's biggest credit card companies have increased
their late payment penalty fees to $35. And your interest rate
could shoot
way up—another penalty for late payment. Credit unions generally
charge at least $6 less on late fees for credit cards than banks.
Team One’s late payment fee is 5% of the late payment amount.
Compare Team
One's Credit Cards to Others
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