What Are Your Advantages?
First of all, you should know from the very beginning that a credit card usually comes with some important rewards and features provided to you as a customer. And Heritage Bank makes no exception with this program, mainly because the focus of the company is on the client and his financial lifestyle, rather than on making profit from the activity.
One of the most important features is related to the interest free period of 25 days. During these days, you will be able to make purchases from your favourite company without being required to pay more than you actually spend. This is one of the greatest ways of saving some serious money in the long run and using it for some other financial purposes you might set for the near future.
Then, you should also know that during the first 13 months from signing your contract, there will be a special interest rate calculated and applied to your account. This is currently estimated at 8.95%, which is a very low sum compared to the one offered by most of the financial products available on the market.
What is more, when it comes to the repayments you will always find something for you, mainly because you will be provided with a great number of options to choose from. And, on top of all, the amount you will need to pay is calculated at 5 percent of the total balance or $30, depending on which amount is the largest.
Finally, you should also know that since this is a program for beginners who never had any tang-ency with a credit card, the limit of your credit will be of $500. However, this is a great start and you will avoid spending more than you can actually afford, which is very important for the learning process. In addition to this, if you want to make everything even more comfortable for you and increase your overall shopping experience, you should use the chance to link your credit card with other bank accounts and therefore you will only have to carry a single card with you at any time.
Visa Exclusive Deals
Because right after you sign you will become the owner of a Visa credit card, you should know that there are a great number of extra features available for you. First of all, there is the program known under the name of Visa Entertainment, which will provide you with access to some exclusive tickets for a great number of events, including movie premiers and concerts organised in some of the most important cities of the country.
Moreover, there is the Verified by Visa program, which comes as addition security for your funds whenever you use your card for online purchases. Basically, you will have the opportunity to set an extra password for your account and therefore prevent granting any other person with access to your funds for online purchases, because you will be the only one to know that password. This is a very important step, since the number of online fraud cases are increasing with every year.
