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Platinum Visa®Quick Summary:
This Visa offer is issued by Direct Merchants Bank. This card is intended for consumers, or "personal use" with a fair credit history. APR's may vary among applicants, however the lowest standard APR is 13.99%.APR's:
There is an introductory APR as low as 0.00% for 9 months. 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 5.4% to the U.S. prime rate. Rewards:
This is not a rewards card. Although the APR is 13.99% and there are no rewards, you may want to consider that this card does not* have a annual fee. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO score of at least 627 is recommended for a higher chance of approval for the Platinum Visa®, 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 Platinum Visa® 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 was 1 person that reported the application status to us after applying. The applicant was approved. Helpful qualification information, including credit scores, rates, household income and more was reported. 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 "Fair Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 627, then your chance of approval may be greater than other applicants. Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved. Offer Details: A new Visa is just seconds away! Get the card that comes with the features you want. Platinum perks. Visa essentials. This card's got it all.
Rewards
and Benefits:
- 0% APR on balance transfers for 9 months
- 24/7 Online Account Management
- No liability for unauthorized use
- No annual fee
*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 | 13.99% | | Avg. APR** | 12.29% | | Annual Fee | $0 | | Avg. Annual Fee** | $8.7 | |
** 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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