Some folks are just crazy about credit cards, lauding their convenience in paying for everyday products and services, including gas, groceries, clothing, and everything in between. Others, of course, declare that credit cards trap consumers in a never-ending debt spiral. In all fairness, credit cards aren’t “good” or “bad.” It all depends on how you use them.
It’s the savvy consumer who knows how to make their credit card work for—and not against—them. If you’re considering adding a new credit card to your wallet, you’ll want to check out our GOLD Credit Card.1 Low on fees and without sneaky gimmicks like teaser rates, our GOLD Credit Card reflects the same qualities as the Credit Union itself: fairness, transparency, and stability.
If it’s been a while since you applied for a credit card, here’s a refresher on how the process works. You’ll complete our online application, which takes just a few minutes. When assessing your application, we’ll review your credit score and monthly income. In some cases, you can get approved online instantly!
Upon approval, we’ll assign you a credit limit, or the maximum amount you can charge within a given period of time. Having a high income, excellent credit, and little debt are key factors in qualifying for a high credit limit.
You’ll receive your GOLD Credit Card in the mail and then activate it, which you can do easily through Online Banking. And, just like that, you’ve supercharged your personal spending power!