If you are simply looking for a credit card with a low interest rate for everyday use but don’t want pay extra for frills that you don’t want or need, then you may wish to look into the No Frills Classic credit card offered by the Heritage Building Society.
One of the major drawbacks to many of the credit cards offered by banks today is that they often offer extras and frills that the average customer simply doesn’t want. These extra frills can include airline miles, reward points and other bonus features. The problem with these is that many credit card companies make their money back from these extra frills by charging the card holder extra monthly maintenance fees and annual dues. They can also impose high penalties for missed payments or for certain transactions.
Not only is the Heritage Building Society a different kind of bank, one that focuses on its customers more than anything else, but the Classic credit card is a different kind of card. Simply put, this card gives you a low interest rate with no extra frills. That doesn’t mean that card doesn’t offer you the features that you need to make everyday and large purchases when you need to. On the contrary, the No Frills card gives you everything you want in credit card and nothing you don’t!
Interest Rates, Fees & Charges
| Interest Rate on Purchases |  |
11.80% p.a. |
|---|---|---|
| Annual Fee | |
$0 |
| Interest Free Period | |
up to 0 days |
| Cash Advance Rate | |
11.80% p.a. |
| Card Type | |
Standard |
| Credit Card Type | |
Visa |
| Rewards Program | |
No |
Features
The No Frills Classic credit card still has all the features you want and expect from a credit card. It offers you an entire year of its low interest rate. This rate is 11.80% p.a. and lasts for an entire year! This lets you make those big purchases or those tiny everyday purchases without paying a whole lot of your hard earned cash in interest rates. The card also doesn’t waste your money by charging you an annual fee. As these annual fees can really add up, this saves you even more.
For those people who would prefer to let their balance carry over from month to month, the Classic card makes this easier by not offering interest free days for you to worry about making payments within. The card also saves you time by allowing you to link your transaction accounts to the card. This not only saves you time by giving you the ability to handle your transaction accounts through the card, but makes your life simpler by requiring that you only carry one card with you.
The card also offers you flexible payment options, with a wide credit limit between a minimum of $1000 and a maximum limit of $10,000, this card lets you buy what you need when you need it. You can pay off 5% of your monthly balance or $30 of it, depending on which is higher. This gives you flexibility in your payment options.
Security And Accessibility
The Classic card is also offered through the worldwide Visa network, so you know that you will have both accessibility and security. You will be able to access Visa Entertainment with the card and will have access to thousands of merchants all over the world to make your purchases. The card is verified by Visa, so you know it is safe.
For added accessibility, you can find out your account balance and make cash withdraws at any Heritage Building Society ATM. To make your life even easier, the Heritage Building Society has formed a network of ATMs with several other major Australian banks. By teaming up with Westpac bank. St.George Bank and BankSA, Heritage can offer you access to over 2900 ATMs located throughout Australia. This means you can withdraw cash or check your balance anytime you need to. This accessibility won’t cost you extra either. With most transaction account types, using any of these ATMs is free. Certain account types may require a low fee of $1.75, but you also will never have to pay any ATM operator fees. This is just another way that Heritage gives you accessibility while saving you money. iPhone users will also have the ability to download the ATM finder app to make finding an ATM easier than ever.
Personalization
Just because the Heritage No Frills Classic card doesn’t contain a whole lot of frills and extras doesn’t mean that it has to be boring. After all just because you don’t need extra frills doesn’t mean you don’t want to make a statement with your card. This is why Heritage offers you the ability to customize your Classic card with a personalized photo. You can make your card a statement of your individuality or just make it look cooler. The choice is yours. You can easily upload just about any photo you would like simply by visiting Heritages website at www.chooseyourowncard.com.au and selecting upload my own image. Then you simply choose the Classic Visa card and choose a photo from your computer’s hard drive. Use the photo tools to manipulate the photo until it fits just right on the card’s photo space and upload it. You can even preview the photo before it is printed on your card. Update your card photo anytime you want to. This personalization service costs only $15.
Summary
So if you are tired of paying for a bunch of extra features and frills that you don’t need, but still want a credit card that offers flexible payment options, a low interest rate, plenty of accessibility and the security of being verified by Visa, then you may fall in love with the No Frills Classic credit card from the Heritage Building Society. This card gives you no fees, a low interest rate and the ability to personalize your card to your personal tastes. After all, a credit card is supposed to make your life easier, not more complicated!
Save Yourself Money On Useless Frills While Still Getting The Benefits Of A Visa Card With The No Frills Classic Credit Card Offered By Heritage!
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Posted on Monday, March 7th, 2011 at 10:06 am
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