Lake Michigan Credit Union Prime Platinum Visa Card
in Personal Credit Cards from Lake Michigan Credit Union
UnaffiliatedLake Michigan Credit Union Prime Platinum Visa Card
in Personal Credit Cards from Lake Michigan Credit Union
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| Purchase APR (Variable APR) | 6.25% - 14.25% |
| Balance Transfer APR (Variable APR) | 6.25% - 14.25% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Lake Michigan Credit Union Prime Platinum Visa Card Review
This is a credit card issued by Lake Michigan Credit Union. If you're wondering whether Lake Michigan Credit Union Prime Platinum Visa 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.
- Competitive APRs. Lake Michigan Credit Union Prime Platinum Visa Card has a variable purchase APR that ranges from 6.25% up to 14.25%.
- 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.
- 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.
- Fair or better credit required. You will have good approval oods if your credit score is above600.
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Does Lake Michigan Credit Union Prime Platinum Visa Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Lake Michigan Credit Union Prime Platinum Visa Card benefits?
It provides the following benefits:
- Emergency Support
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Lake Michigan Credit Union Prime Platinum Visa 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. It has lower than average regular APRs.It has a variable purchase APR that ranges from 6.25% up to 14.25%. The card has a variable balance transfer APR that ranges from 6.25% up to 14.25%. It also has a variable cash advance APR that ranges from 6.25% up to 14.25%. Note that late payments are subject to an APR of 18% 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 Lake Michigan Credit Union Prime Platinum Visa Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Lake Michigan Credit Union Prime Platinum Visa Card 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 Lake Michigan Credit Union Prime Platinum Visa Card?
The following fees apply:
- An overlimit fee of $25.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $25 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | $15 - $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Lake Michigan Credit Union Prime Platinum Visa Card have a foreign transaction fee?
Lake Michigan Credit Union Prime Platinum Visa 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.Does Lake Michigan Credit Union Prime Platinum Visa Card report your account activity to credit bureaus?
Yes, Lake Michigan Credit Union Prime Platinum Visa 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 Lake Michigan Credit Union Prime Platinum Visa Card
- Visit the Lake Michigan Credit Union Prime Platinum Visa 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
-
PO Box 2848
Grand Rapids, MI 49501 - Visit Site
Other Services by Lake Michigan 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
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Cash Advance Fee (%) | Starting at 3% |
| Foreign Currency Transaction Fee | 1% |
| Over-Limit Fee | $25 |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | $15 - $25 |
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