Citizens National Bank of Cheboygan Platinum Visa
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| Purchase APR (Variable APR) |
16.99% - 26.99% (Verified 10/21/2022) |
| Balance Transfer APR (Variable APR) |
16.99% - 26.99% (Verified 10/21/2022) |
| Credit Score Range | 650 - 840 |
| Annual Fee | $0 |
Citizens National Bank of Cheboygan Platinum Visa Review
This is a credit card issued by Citizens National Bank of Cheboygan. If you're wondering whether Citizens National Bank of Cheboygan Platinum Visa is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 20 months, which is longer than the average 0% APR period of 12 months.
- Competitive APRs. Citizens National Bank of Cheboygan Platinum Visa has a variable purchase APR that ranges from 16.99% up to 26.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Citizens National Bank of Cheboygan Platinum Visa charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Citizens National Bank of Cheboygan Platinum Visa
| The Good | The Bad |
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Citizens National Bank of Cheboygan Platinum Visa FAQ
Does Citizens National Bank of Cheboygan Platinum Visa have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Citizens National Bank of Cheboygan Platinum Visa benefits?
It provides the following benefits:
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Citizens National Bank of Cheboygan Platinum Visa?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.Citizens National Bank of Cheboygan Platinum Visa has a variable purchase APR that ranges from 16.99% up to 26.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 26.99%. It also has a variable cash advance APR of 28.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Citizens National Bank of Cheboygan Platinum Visa 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 20 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 20 months |
| Balance Transfer APR | 16.99% - 26.99% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does Citizens National Bank of Cheboygan Platinum Visa have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Citizens National Bank of Cheboygan Platinum Visa?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Initial Program Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $41 |
| Late Payment Fee | up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Citizens National Bank of Cheboygan Platinum Visa have a foreign transaction fee?
Citizens National Bank of Cheboygan Platinum Visa charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 customer service phone number for Citizens National Bank of Cheboygan Platinum Visa?
The Citizens National Bank of Cheboygan Platinum Visa customer service number is .
What is the support contact email for Citizens National Bank of Cheboygan Platinum Visa?
The support contact email for Citizens National Bank of Cheboygan Platinum Visa is info@cnbismybank.com.
What is the Citizens National Bank of Cheboygan Platinum Visa login page?
You can access the Citizens National Bank of Cheboygan Platinum Visa login page here.
How do people rate the customer service and user experience of Citizens National Bank of Cheboygan Platinum Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Citizens National Bank of Cheboygan Platinum Visa report your account activity to credit bureaus?
Yes, Citizens National Bank of Cheboygan Platinum Visa 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 Citizens National Bank of Cheboygan Platinum Visa
- Visit the Citizens National Bank of Cheboygan Platinum Visa 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
-
303 North Main Street
Cheboygan, MI 49721 USA - Visit Site
- Email Support
Other Services by Citizens National Bank of Cheboygan
Availability
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 5% |
| Minimum Cash Advance Fee ($) | $10 |
| Initial Program Fee | $0 |
| Foreign Currency Transaction Fee | 2% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $2 |
| Over-Limit Fee | $0 |
| Returned Payment Fee | Up to $41 |
| Late Fee Amount | Up to $41 |
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