Credit cards are a great convenience packed with tons of benefits.
Fraud protection
You have zero liability from fraud. Seriously.
If a transaction is not yours, in many cases, we are able to charge back the merchant for fraudulent activities. While this dispute is being resolved, the credit line is still available to you, and your personal funds are not held up.
Free of fees (kind of)
We’ve all seen the fee tables in credit card applications. Everything from interest rates, to usage fees and more.
However, the bottom line when it comes to credit cards is this:
There is no need to pay interest if you pay in full with each statement.
Convenience
Owning and using a credit card is so convenient. Visa cards are accepted all over the world.
Rewards and freebies
Some credit cards reward you for using them with either points or cashback. Others reward trips, vehicles, free rentals and more.
What can you expect from First CHoice?
Because of this excitement over programs like point programs and cashback, we at First Choice Federal Credit Union will be offering similar programs, at no cost to upgrade, for our members.