This card is for you if you’re looking to establish or re-build your credit.
它是如何工作的
You’ll also benefit from no annual, balance transfer, over-the-limit, or returned payment fees. 今天就开始吧! 马上申请.
一个 低利率 of 11.4月45%1
Set up alerts, view your account activity, and even lock or unlock your card in Patelco在线™
No-cost personal information protection with your 万事达卡 debit or credit card — 点击这里了解更多
Additional protection should someone make unauthorized purchases with your card — 点击这里了解更多
把它下载到你的手机里 电子钱包, set it as your preferred online payment option or insert it when you’re out shopping – you have the flexibility to use your card the way you choose
2023年9月26日生效
| 卡类型 | 量 | 4月范围1 | |||||
|---|---|---|---|---|---|---|---|
| 18308 | 信用卡-Pure-担保 万事达卡 | 纯担保万事达卡® | $300 - $10,000 | 11.45% | 1 | 09/26/2023 | $10,000 |
| 18300 | 信用卡-进步学生奖励 | 进步学生奖励® | $300 - $5,000 | 13.40% to 21.90% | 4 | 09/26/2023 | $50,000 |
| 18284 | 信用卡-积分奖励世界万事达卡 | 积分奖励世界万事达卡® | $300 - $50,000 | 13.40% to 21.90% | 3 | 09/26/2023 | |
| 17972 | 信用卡——纯万事达信用卡 | 纯粹的万事达卡® | $300 - $50,000 | 11.75% to 18.95% | 2 | 09/26/2023 | $90,000 |
On credit cards, the interest rate and APR are the same thing.
Some financial products have a different interest rate and APR (annual percentage rate). That’s because the interest rate is the rate to borrow the money itself; it’s based on market rates and your individual credit score. 的4月, 另一方面, includes other fees and costs that are also part of the loan; it’s decided by the lender. You can think of the interest rate as a way of determining your monthly costs, and the APR as a way to determine the entire cost of the loan. Federal law requires that lenders like us tell you the APR in every consumer loan agreement.
A primary advantage of credit cards is that they allow you to make larger purchases that you may not have the cash for right now – such as an appliance or an unexpected car repair.br/ Another advantage of credit cards is that they are an easy way to build your credit history and (when used properly) increase your credit score. Having an established credit history and a good credit score can help you get a better loan later for buying a car or a house.
We calculate your monthly charges based on your balance and your annual percentage rate (APR). If you pay your card off in full each month, you won’t be charged interest.
If you don’t pay your card off in full each month, you will be charged interest. Even though your APR is a percentage expressed in terms of a year, it is also used to calculate charges for a single month.
When you carry a balance and don’t pay off your card in full, you’ll be charged interest based on the annual rate but calculated in terms of how long you’ve carried that balance.
The 纯担保万事达卡 is great if you’re looking establish or re-build your credit. If you’d like help deciding, meet with someone in our 虚拟分支. They are available for immediate service and appointments during business hours.
You will need to be at least 18 years of age, 你有社会安全号码吗, US address and US saving or checking account, and provide all the required information in the online application.
If you pay your balance in full and close your credit card account, 我们会退还您的保证金. This might take a billing cycle or two to process.
The Patelco 纯担保万事达卡 信用卡 gives you a convenient and secure way to pay.
2019年11月8日
准备好开始建立你的信用? Find out how to build credit with and without a credit card from the experts at Patelco.
2019年10月29日
Are you worried about paying off credit cards? 你有选择. Find out how to pay off credit card debt from the experts at Patelco.
2019年11月8日
With so many credit card options, it’s hard to know which one to choose. Get the questions you need to ask to determine what credit card is best for you!
报名参加 Patelco在线™ 下载 手机应用程序 and you’ll have convenient, secure access to your account.
•检查你的余额
•查看交易
•付款和转账
1 年利率. 截至2023年9月26日的可变年利率. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. Applies to Purchases and Balance Transfers.
