Wescom Credit Union
From LoveToKnow Creditcards
Wescom Credit Union membership is available to all residents of Southern California. This financial institution offers a variety of Visa cards as well as other products to qualified applicants.
Available Visa Cards
Wescom Credit Union boasts low interest rates and minimal fees with the Visa cards they issue to approved applicants. Only members of this credit union are eligible to receive credit cards issued through this lender.
The Visa card a member receives depends on the card they apply for in addition to their creditworthiness. For example, a member applying for a Platinum Visa may wind up with an offer for a Classic Visa if the credit scores aren't suitable for the Platinum card.
Classic Visa
The Classic Visa offered by Wescom Credit Union (CU) has a low interest rate when compared to other credit cards offered to applicants with similar credit scores by other lenders.
The Visa Classic has no annual fee and has an available credit line of up to $5000. This does not necessarily mean that getting approved for a Visa Classic translates into having a $5000 credit line, but instead means that the maximum credit line will be this amount and may be lower.
Gold Visa
The Gold Visa issued through Wescom CU has a lower interest rate than the Classic Visa. The Gold Visa also features a potentially higher credit limit of up to $50,000. The fees for late payments and going over the limit are much lower than most of the other credit cards offered through many other financial institutions.
Platinum Visa
The Platinum Visa is the best card offered through Wescom CU. This card has the lowest interest rate offered through this lender while also offering no annual fee.
In order to get approved for a Platinum Visa, applicants must have excellent credit scores as well as membership with Wescom CU.
GenEdge Visa
This specialty credit card offered by Wescom CU is designed for younger credit union members aged 15 to 17. The purpose of the card is to allow young members to learn all about credit management while also allowing parents access to the account to make sure that everything stays under control. The credit limit on this card is intentionally low at $250 which is a good amount for the teenager to manage while not causing too much financial grief if the credit line is maxed out.
Imagine That
One of the most interesting features offered by Wescom CU with regards to debit and credit cards is the Imagine That program which allows cardholders to design the face of their credit cards. This means that members are allowed to choose a photo or design to place on the face of their cards.
Of course, members do not have carte blanche to put absolutely any image on their cards that they want to. They are not allowed to put pornography or other unacceptable images on the card, and as a precaution all images must be approved by the credit union prior to being placed on the credit card. Many members really enjoy this feature, especially when they are able to put photos of loved ones, pets, or special places on their cards.
Prepaid Visa Card
Members can purchase a prepaid Visa card through this credit union in order to use as a budgeting tool or instead to give to someone as a gift. This card works as a traditional card but does not involve a revolving credit line. Instead, the available balance depends on the amount of money deposited into the card's account.
Apply for a Card Through Wescom Credit Union
Members can apply for any of the credit cards by speaking to a member service representative within a branch or apply online using the credit union's website.
Keep in mind that applicants must be members of the credit union before they can apply for a credit card through this financial institution.
Learn More
This page has been accessed 1,194 times. This page was last modified 15:07, 14 October 2008.
© 2006-2009 LoveToKnow Corp.
Print this page
Follow ltk on twitter
Visit us on facebook