People's Choice Credit Union Credit Cards

Compare People's Choice Credit Union credit cards. Review benefits, features, rates, and fees before applying.

By   |   Updated 6 Mar 2024

As seen on

Media - The Sydney Morning Herald
Media - Yahoo Finance
Media - News.com.au
Media - Daily Mail Australia
Media - Australian Fintech
Media - Dynamic Business

Comparing People's Choice Credit Union credit cards

People's Choice Low Rate Visa Credit Card

On website

Highlights

  • Avail a special rate of 2.99% per annum for 6 months on balance transfers.
  • Take advantage of a 2.99% per annum rate for 6 months on purchases.
  • Get up to 62 days with no interest charges on purchases.

Pros

  • 2.99% p.a. for 6 months on balance transfers, purchases and cash advances (reverts to 12.95% p.a. thereafter).
  • 62 days interest-free days on purchases, which is among the longest.
  • Supports Apple Pay, Google Pay, and Samsung Pay.

Cons

  • No rewards program or travel benefits.
  • Relatively high annual fee for a low rate credit card (but this may be waived if eligible).

People's Choice Credit Union offers a range of credit cards designed to suit different financial needs and lifestyles. From low-rate options to cards with exclusive perks, People's Choice Credit Union aims to provide its members with flexible and competitive credit card solutions. In this comprehensive guide, we will explore the features, benefits, and application process for People's Choice Credit Union credit cards.

Types of People's Choice Credit Union Credit Cards

People's Choice Credit Union offers a variety of credit cards to cater to diverse financial requirements. Here are some of the main types of credit cards available:

Low Rate Credit Cards

  • Designed for individuals looking for a competitive interest rate on purchases.
  • Helps users save on interest costs with a low ongoing rate.
  • Suitable for those who intend to carry a balance on their credit card from month to month.

Student Credit Cards

  • Tailored for students and young adults who are new to credit cards.
  • Helps build a credit history and manage finances responsibly.
  • May offer discounts on student-related expenses and other perks.

Features of People's Choice Credit Union Credit Cards

People's Choice Credit Union credit cards come with a range of features and benefits that differentiate them from other financial institutions. Some common features include:

  • Competitive interest rates on purchases and cash advances.
  • Contactless payment options for convenience and security.
  • Access to exclusive offers, discounts, and events.
  • Online and mobile banking facilities for easy account management.
  • Complimentary purchase protection and travel insurance on certain cards.
  • Ability to set up SMS banking alerts for account monitoring.

How to Apply for a People's Choice Credit Union Credit Card

Applying for a People's Choice Credit Union credit card is a straightforward process. Here are the general steps involved:

  1. Research: Compare the various credit card options available from People's Choice Credit Union to determine which best suits your needs.
  2. Check Eligibility: Ensure you meet the eligibility requirements, including age, income, and credit history.
  3. Complete Application: Fill out the online application form with your personal and financial details.
  4. Submit Documents: Provide any required documentation, such as proof of income or identification.
  5. Wait for Approval: The bank will review your application and inform you of the outcome.
  6. Receive Card: Upon approval, you will receive your People's Choice Credit Union credit card in the mail.

Help choosing a People's Choice Credit Union credit card

Receive personalized assistance in selecting the ideal People's Choice Credit Union credit card, tailored to match your financial goals and lifestyle preferences.

  • FAQs

How do I check my People's Choice Credit Union credit card balance online?

To check your People's Choice Credit Union credit card balance online, you can log in to your online banking account and navigate to the credit card section. You will be able to view your current balance, recent transactions, and available credit limit.

What should I do if my People's Choice Credit Union credit card is lost or stolen?

If your People's Choice Credit Union credit card is lost or stolen, it is essential to report it immediately to prevent unauthorized transactions. Contact the bank's customer service hotline or use the online banking portal to report the loss and request a replacement card.

Can I increase my credit limit on my People's Choice Credit Union credit card?

Yes, you can request an increase in your credit limit on your People's Choice Credit Union credit card. Contact the bank's customer service team or visit a branch to discuss your request. The bank will assess your financial situation and credit history before approving any limit changes.

Are there any fees associated with People's Choice Credit Union credit cards?

People's Choice Credit Union credit cards may have associated fees, such as annual fees, late payment fees, and cash advance fees. It is essential to read the terms and conditions of your specific credit card to understand all applicable fees and charges.

How do I redeem rewards points earned on my People's Choice Credit Union credit card?

To redeem rewards points earned on your People's Choice Credit Union credit card, log in to your rewards account through the bank's online portal. You can browse the available redemption options and choose how you would like to use your points, whether for travel, shopping, gift cards, or other rewards.

Is there a mobile app available for People's Choice Credit Union credit card management?

Yes, People's Choice Credit Union offers a mobile app that allows users to manage their credit cards on the go. Through the app, you can view transactions, make payments, set up alerts, and access other account features conveniently from your smartphone or tablet.