EfectivaTM Visa®

issued by Bank of America

This article may help you to apply:

Credit Card Rewards: Close Scrutiny

Offering different rewards is quite regular in the credit card industry. It is for this reason why most credit card companies offer different credit card rewards. They know that people will apply for a credit card not just because they need credit but also because they are eager to receive rewards. Read more...

Card Category

Credit History

Available Rewards

Consumer

Excellent/Good

Miles

Cash

Points

About Card

� No annual fee
� Customer communications in Spanish and English
� Total Security Protection
� Various Internet account related services
� Auto rental insurance
� Various travel and emergency assistance services
� Lost luggage recovery
� No liability for unauthorized Internet transactions
� Discounts on auto rentals
� Optional Mini Card
� Optional Purchase Guard

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Lower APR Rate

Everyone loves a bargain? Sometimes it is true, but not always. However, nobody likes to find out that they are paying too much for their credit card in interest and fees. Who doesn`t want to get the lowest APR possible? It is good that you think your credit card`s rate too high, but it is not enough to lower it. If you`re paying too much in interest, you need to take action immediately. Read more...

Credit Card Rates

Purchases:		Balance Transfers:		Cash Advances:
Introductory APR:	0%	Introductory APR:	0%	Introductory APR:	none
Introductory Period:	6 months	Introductory Period:	6 months	Introductory Period:	none
Ongoing APR:	10.74%	Ongoing APR:	10.74%	Ongoing APR:	20.74%
Default APR:	29.49%	Default APR:	29.49%	Default APR:	29.49%
Minimum Grace Period:	20 days	Minimum Grace Period:	none	Minimum Grace Period:	none
Minimum Finance Charge:	$1.50	Minimum Finance Charge:	$1.50	Minimum Finance Charge:	$1.50

This article may help you to apply:

Deflate Your Credit Card Rate

State PIRGs did a survey to show a simple action consumers can take to lower interest rate of their credit card and saving them up to thousands of dollars paying the balances. Volunteers who took participation in this survey had to call their credit card issuing company and ask do decrease annual percentage rate. Read more...

Credit Card Transaction Fees

Balance Transfer Fees:		Cash Advance Fees:		Foreign Exchange Fees:
Minimum:	$10	Minimum:	$10	Minimum:	none
Fee Rate:	3%	Fee Rate:	3%	Fee Rate:	3%
Maximum:	none	Maximum:	none	Maximum:	none

Credit Card Other Fees

Initial Fees:			Maintenance Fees:			Penalty Fees:
Setup Fee:	$0		Annual Fee:	$0		Late Payment Fee:	$15

See terms and conditions

for EfectivaTM Visa®

EfectivaTM Visa® - Bank of America - Credit Card Details

EfectivaTM Visa®