Langley Federal Credit Union Platinum Select Visa Review

This is a credit card issued by Langley Federal Credit Union. If you're wondering whether Langley Federal Credit Union Platinum Select Visa 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 6 months.
• Competitive APRs. Langley Federal Credit Union Platinum Select Visa has a variable purchase APR that ranges from 7% up to 15%.
• 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. Langley Federal Credit Union Platinum Select Visa charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
• 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 odds if your credit score is above 600.

Does Langley Federal Credit Union Platinum Select Visa have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Langley Federal Credit Union Platinum Select Visa?

It has a variable purchase APR that ranges from 7% up to 15%. The card has a variable balance transfer APR that ranges from 7% up to 15%. It also has a variable cash advance APR that ranges from 7% up to 15%. Note that late payments are subject to an APR of 10% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Langley Federal Credit Union Platinum Select Visa?

The following fees apply:

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Langley Federal Credit Union Platinum Select Visa report your account activity to credit bureaus?

Yes, Langley Federal Credit Union Platinum Select 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 Langley Federal Credit Union Platinum Select Visa

• Visit the Langley Federal Credit Union Platinum Select 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.