In the United States, there are at least 3 million people who own the Union Plus Credit Card as their primary spending card. The only Union-endorsed credit card around, any U.S. resident above 18 years of age are eligible to apply for this card, in addition to being automatically entitled for an 8.99% introductory APR for balance transfers.
Debt Consolidation And Credit
Even better, the APR will be temporarily fixed as the balance transfer APR for as long as the credit amount is yet to be paid in full. Therefore, this card works great as a balance transfer card. Apart from that, families and members of Union Plus who desire to start or pursue a secondary education will also be able to receive annual rewards to help make studies affordable. In addition, members will also be able to save on their phone bills by using the Union Plus broadband phone service and enrolling themselves in the various calling plans available with Union Plus. Thus, card holders are able obtain unlimited free calls for $199 per year.
Includes two free months of IdentitySweep Plus Insurance including monitoring of one social security number, five credit cards, three physical addresses, three email addresses, and three phone numbers. Also includes IdentitySweep Plus Insurance policy of $25, 000 which covers expenses related to recovery of a user's identity. Major credit card required. You can cancel at any time. Upon completion of the two free months, your credit card will be charged each month at the then current rate for IdentitySweep Plus until canceled.
Check Credit Rating
Additionally, the Union Plus Credit Card does not require any annual or registration fees. Yet, card holders are entitled to travel accident insurance worth up to $100,000 and protection against unauthorized use of their cards. One of the most unique features of this card is a Strike Payment Protection. In the event that union members are involved in a strike prolonging over a several months, Union Plus credit card holders may opt to skip payments for up to a total of three months. Finance charges, however, will still continue to accumulate. Both conditions also apply to lockouts that last for over a month, whereby salaries maybe with-held and thus, card owners may not be able to settle payments in due time. Besides that, there is also a member advocacy program which indirectly assists members in resolving disagreements, and also helps in managing any Union privilege programs.
Credit unions exist not only worldwide, but also in each of the 50 U.S. states. By definition, a credit union is a cooperative financial institution that is owned and controlled by its members. Credit unions differ from banks and other financial institutions in that the members who have accounts in the credit union are the owners of the credit union.1 Some experts say that about one half of the nation's credit unions offer secured credit cards to members, many of which may offer lower interest rates.2
Improve Credit Rating For more information or to apply for the Union Plus Credit Card, Eric Wasselman recommends Find Credit Cards.
Cash Back Rates Among the best cash back credit cards are those that offer you money in return for any purchase. Another cash back credit card may only offer a percentage of the money you spend on gasoline or in certain stores but some will reward you for spending your money in any store and on any item. In these cases it is usual to see credit cards that offer different remuneration rates for different products. For example, one cash back credit card may reward you with 5% cash back on all purchases of gasoline, but only 1% on grocery purchases.
Credit Online Rating Report
Unfortunately, credit card companies offering lower typical APRs (Annual Percentage Rate) tend to have stricter credit check systems and are more likely to reject your application. With the uSwitch.com credit card comparison service you can compare the credit cards available that will accept applications from people with poor credit check results (or credit ratings). This will save you the hassle of having your applications rejected, which can also show up as a bad sign in future credit checks.
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