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Visa credit cards are not only one of the most widely accepted credit card brands available.
Visa credit cards are not only one of the most widely accepted credit card brands available. They also have many great benefits that can help you build and improve your finances.
Nowadays, you don’t even have to be present in person to apply for a credit card. The online application process is streamlined to get a new credit card in your hand as quickly as possible.
To help you understand how the credit card application process works, the documents you need to provide, and how long it will take, we’ve created this guide.
Regardless of the type of credit card you choose, the online application process is the same. To apply for a Visa credit card online through Baton Rouge Telco, you need to be a member. However, the process of becoming a member is straightforward and simple!
You can become a member by providing some personal information through our online application. There is no fee to become a member, but we will hold a $5 deposit for the life of the membership. Being a member also comes with incredible benefits. These include access to our competitive rates on loans, excellent customer service, and easy access to your accounts.
After becoming a member, you can complete the online credit card application. You’ll need to provide your name, address, social security number, income, and monthly household expenses. After you complete the form, you will usually receive a response within 24-48 hours. You can check on the status of your application by contacting us online, in person, or by phone.
Once your application is processed, you will receive information about the APR for which you qualified. This is determined by several factors regarding your financial situation. These include your credit history and monthly income.
When you are approved, you can use your card right away! Simply visit a branch and have a credit card issued instantly.
There are many benefits to choosing a Visa credit card. Here are just a few:
Visa cards are one of the most widely accepted credit card brands on the market. This means you’re far less likely to run into a scenario where you’ll need to withdraw cash or find an alternative method of payment. This can be a huge benefit, especially when traveling.
If you get a Visa credit card through your local credit union, you can link all your accounts, making it quick and simple to manage your payments. This can help protect your credit score by making it simple to stay on top of your credit card payments.
Additionally, you can use your Visa card with Apple Pay, linking your mobile device to your card and making payments all the easier. This enables you to keep your cards separate from your person, reducing the risk of theft and fraud.
Baton Rouge Telco’s Visa cards enable you to manage them online at any time. Stay on top of your spending with nonstop access to your accounts.
Depending on the type of card you get, Visa offers competitive rewards. For example, our cash-back cards provide 2% unlimited cash back.
We offer several different types of credit cards, each with its own perks.
Our Visa Gold card is an excellent option for consumers who want the lowest interest rates available. This is particularly useful if you’re interested in transferring debt from a higher APR credit card. With APR as low as 7.90% and $0 balance transfer fees, you can start your path to getting your debt under control today.
Visa Cash Back cards offer 2% unlimited cash back on all purchases. These are a great option for consumers who are looking to earn money just by spending. With a starting APR of 9.24%, the rate is slightly higher than our Visa Gold card, but still significantly lower than rates on national rewards credit cards.
Finally, our Visa Secured card is our best option for those who are new to building or repairing their credit. Secured cards require a deposit which is used as your credit limit. These cards are easier to get approved for, and they can be a great tool to help you build your finances.
If you’re ready to embark on the journey of being a credit card holder, look no further than Baton Rouge Telco. With our excellent customer service and competitive rates, we are here to help you through the process. We have online customer service chat tools available to assist you at any stage of the process. And our not-for-profit status means that we have our member’s best interests in mind.
Get started today!
Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government – National Credit Union Administration (NCUA), a U.S. Government Agency.
