Charlotte Metro FCU Visa Platinum Credit Card
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| Purchase APR (Variable APR) | 14.95% |
| Balance Transfer APR (Variable APR) | 9.65% - 12.95% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Charlotte Metro FCU Visa Platinum Credit Card Review
This is a rewards credit card issued by Charlotte Metro Credit Union. If you're wondering whether Charlotte Metro FCU Visa Platinum Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
- Competitive APRs. Charlotte Metro FCU Visa Platinum Credit Card has a variable purchase APR of 14.95%
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
| The Good | The Bad |
|---|---|
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Does Charlotte Metro FCU Visa Platinum Credit Card have a cash back or rewards program?
Charlotte Metro FCU Visa Platinum Credit Card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Charlotte Metro FCU Visa Platinum Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Charlotte Metro FCU Visa Platinum Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Charlotte Metro FCU Visa Platinum Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for Charlotte Metro FCU Visa Platinum Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Charlotte Metro FCU Visa Platinum Credit Card has a variable purchase APR of 14.95%. The card has a variable balance transfer APR that ranges from 9.65% up to 12.95%. It also has a variable cash advance APR that ranges from 9.65% up to 12.95%. Note that late payments are subject to an APR of 17.95% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Charlotte Metro FCU Visa Platinum Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 0% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 9.65% - 12.95% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
Does Charlotte Metro FCU Visa Platinum Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for Charlotte Metro FCU Visa Platinum Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Charlotte Metro FCU Visa Platinum Credit Card have a foreign transaction fee?
Charlotte Metro FCU Visa Platinum Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the support contact email for Charlotte Metro FCU Visa Platinum Credit Card?
The support contact email for Charlotte Metro FCU Visa Platinum Credit Card is info@cmcu.org.
How do people rate the customer service and user experience of Charlotte Metro FCU Visa Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Charlotte Metro FCU Visa Platinum Credit Card report your account activity to credit bureaus?
Yes, Charlotte Metro FCU Visa Platinum Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Charlotte Metro FCU Visa Platinum Credit Card
- Visit the Charlotte Metro FCU Visa Platinum Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
718 Central Ave
Charlotte, NC 28204 - Visit Site
- Email Support
Other Services by Charlotte Metro Credit Union
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 12 months |
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