Holiday Coast Credit Union MyCard MasterCard
The Holiday Coast Credit Union MyCard MasterCard has a lot to offer the right person. The MyCard MasterCard by Holiday Coast Credit Union offers 0% p.a. on balance transfers for the first months of payments. This is a major benefit to people who are looking for ways to get out from under a mountain of high interest rate debt. Just remember to use this wisely and pay off the remaining balance quickly or you could find yourself in a sticky situation once again before too much time has passed.
Credit Without Interest?
You heard correctly. You can make retail purchases that are interest free for up to 55 entire days with your Holiday Coast Credit Union MyCard MasterCard. For the true power shopper there is no better news to enjoy than this - provided, of course, that you can pay the full balance off within the 55-day period of time.
People who plan to pay off their balances monthly or only carry a minimum balance over can truly appreciate offers like these. This is a great way to keep your credit rating active without spending a fortune for the privilege. It's also a terrific method for keeping up with certain expenses like dining out or automobile expenses each month. When you place all these expenses on one card for the month and pay it off each month it's like a running account and the slate is wiped clean each month - no interest payments involved.
This is the case with the silver and gold MyCard MasterCard by Holiday Coast. When combined with the generous low interest rate offer mentioned above, you might say that Holiday Coast has the greatest intention at heart.
Rewards and More
The benefits of a Holiday Coast Credit Union MyCard MasterCard go a little further also. You can enjoy the rewards program that offers one point for every dollar you spend as a silver or gold card member. Gold members may also qualify for Qantas rewards in certain situations (there is an additional annual fee involved for that privilege). Qantas members are afforded the additional benefit of Qantas Frequent Flyer reward points.
This card is accepted around the world, wherever MasterCard is accepted and you can get additional cards without paying an additional fee. Silver and gold members alike enjoy the benefit of purchase cover which protects all purchases made with your card from damage, loss, or theft.
Limits and Fees
There are limits available according to the type of card you get. If you choose to receive a silver Holiday Coast Credit Union MyCard MasterCard you will have a credit limit somewhere in the neighbourhood of $2,000-$7,500. Gold members enjoy credit limits that fall between $5,000 and $25,000. Gold members are also provided with free International travel insurance.
The fees are also worth mentioning as they will have a bearing on the type of card you'll want to get. The annual fee for a silver card is $45 a year. Gold cards require an annual fee of $85 per year and Qantas cards weigh in at $118. If you do a lot of flying that might be a great choice for you, otherwise, think long and hard before you commit to additional yearly fees that may not be favourable to you down the line.
It can be a little confusing at first to play the credit game. Once you know the basics though you shouldn't have a lot of trouble finding a great card to fit your credit spending and lifestyle needs. The Holiday Coast Credit Union MyCard MasterCard is a good start for many consumers.