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Wachovia Platinum Plus®Quick Summary:
This Visa offer is issued by Wachovia. This card is intended for consumers, or "personal use" with a good to perfect credit history. APR's may vary among applicants, however the lowest standard APR is 7.99% and may be as high as 12.99%, depending on your credit worthiness*.APR's:
There is an introductory APR as low as 1.90% for 6 billing cycles. However, this intro rate only applies towards balance transfers. Be cautious that some card issuers may charge higher rates and fees for cash advances.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 2.99% to the U.S. prime rate. Rewards:
This is not a rewards card. However, depending on your intended use, the low rate of 7.99% may be considered as a higher importance than rewards. Another consideration is that this offer does not have an annual fee. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO score of at least 736 is recommended for a higher chance of approval for the Wachovia Platinum Plus®, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the Wachovia Platinum Plus® is at least 25 days. So interest charges will not be applied during those days. This card is intended for consumers, or "personal use". This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment. Approval Rate:
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. If you believe that you fall into the credit record of "Good Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 736, then your chance of approval may be greater than other applicants. Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved. Offer Details:
- Introductory 1.9% Annual Percentage Rate (APR)* for Cash Advance Checks and Balance Transfers.*
- 7.9% APR on all purchases right from the start.
- No Annual Fee
- Online account access--get up-to-the-minute account information, use our online payment service, review recent statements, and more.
*Please view and verify the card offer's terms and
conditions regarding interest rate, fees, grace periods, approval time and other
information before applying.
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Consumer Card Rate Comparison
| APR | 7.99% | | Avg. APR** | 12.35% | | Annual Fee | $0 | | Avg. Annual Fee** | $8.23 | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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