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About Our Ratings

ESL Visa® Gold Credit Card Review

ESL Visa® Gold Credit Card details

Balance Transfer Intro APR:
3.99% Fixed
Balance Transfer Intro Period:
APR:
6 billing_cycles
Balance Transfer Fee:
None
Annual Fee:
None
see more details ∨

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 6.73 - 14.74
 6.73 - 14.74
 6.73 - 14.74
APR:
  9.98% - 17.99% Variable
 9.98% - 17.99% Variable
 9.98% - 17.99% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 3.99% Fixed
 3.99% Fixed
 3.99% Fixed
Intro Period:
 6 billing_cycles
 6 billing_cycles
 6 billing_cycles


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 18% Fixed
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 None
Maximum Default APR:
 Fixed
Penalty/Default Trigger:
 This APR may be applied to your account if your minimum monthly payment is not made for two consecutive billing cycles.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 1%
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
None  


Notes:

Rebate Description:
 Visa Rewards: Receive special offers and discounts from participating merchants. Redeem for merchandise, travel, restaurants and more.
Special Notes:
 Must be an ESL FCU member. APR for Purchases, Cash Advances and Balance Transfers: 3.99% Introductory APR for six billing cycles following the account open date (rate available to new accounts only); after that, between 9.98% to 17.99% based on your creditworthiness (variable with Prime rate). Grace Period: At least 25 days after the close of each billing cycle; Card issuer will not charge you interest on Purchases if you pay the entire balance by the due date each month. There is no grace period for cash advance or balance transfer transactions; finance charges accrue from the date of the transaction. Late Payment Fee: Up to $25. Returned Payment Fee: Up to $25. Penalty APR: 18%; if your APRs are increased for the stated reason, the Penalty APR will be applied until the billing cycle after your past due status is corrected.
Credit Card More Information:

Card Issued By:
 ESL FCU
General Correspondence Address:
 100 Kings Hwy
Card Type:
 Visa
Card Class:
 Gold
Card Category:
 Balance Transfer, Credit Card Deals, Low Interest, Low Intro Rate
States Available In:
 NY
Minimum Credit Limit:
 $500 min.
Maximum Credit Limit:
 $25000 max.
Credit Limit Notes:
 

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