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The free Equifax FICO score every month is a nice bonus to have as well. I'll admit that I rarely used them, preferring to let them build up for a big purchase.The approval process was very straight forward and Emily went above and beyond to answer all my questions this week. But when I went to check on them several months ago, I noticed that there was now a special card that earned rewards points.
For more information refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.
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If your own financial situation doesn't allow you to qualify for a card on your own (based on your credit history, income, and expenses), you'll need to have an adult co-borrower who does qualify most often a parent.
That offers four advantages: If your APR is increased for this reason, the Penalty APR will apply until you have made six consecutive payments (minimum or higher) when due, beginning with the first payment due following the effective date of the change.