What Are the Main Features?
From the very beginning, you should know that there is a 25 day interest free period available for every customer after signing the contract. During this promotional period, you will be able to spend as much as you want without being required to pay back more than you actually use while shopping. This is a great opportunity for you to save some money and should be taken into consideration right away.
Next, in terms of the amount you will have to pay back every month, you should know that this is usually evaluated at 5 percent of the total overdraft balance applied to your account, or the fixed sum of $30, depending on the one that is the greatest.
And, on top of all, in order to make your financial experience even more comfortable for you, you will also be able to link your credit card with other bank accounts and as a consequence you will only have to carry a single card in your wallet or pocket every time you go shopping. This is only a small sign of appreciation from Heritage for you as a customer.
Finally, when it comes to the payment options, you should not worry too much because you will be provided with many choices and you will most definitely be able to find something for you and your financial situation.
Interest Rates, Fees & Charges
| Interest Rate on Purchases |  |
8.95% p.a. for 13 months (reverts to 16.75% p.a.) |
|---|---|---|
| Annual Fee | |
$90 |
| Interest Free Period | |
up to 25 days |
| Cash Advance Rate | |
16.75% p.a. |
| Card Type | |
Standard |
| Credit Card Type | |
Visa |
| Rewards Program | |
Yes |
What Is the Difference Between the Gold Account and the Regular One?
First of all, the main difference is related to the limit that will be applied to your credit. This program was designed for people with an exceptional financial situation and with a level of income that is more than satisfactory and this is the main reason why you will be able to extend the limit to up to $50,000. On the other hand, you will have to pay more fees, but they are insignificant compared to the advantages provided to you by Heritage for this amazing program.
Next, there is also a difference related to the credits that will be added to your account as part of the rewards program created for every Heritage customer. In this way, you will be able to redeem more points for the exclusive gifts. You should know that for every $1,000 spent using the credit card you are provided with after signing the contract, a number of two points will be added to your account.
After you collect enough, you will be able to redeem the credits on different gifts or services such as discounts for a great number of hotels and restaurants that are part of this impressive program. As a consequence, the overall quality of your lifestyle will see a great increase and you will be able to get the most out of the entire situation and see the results in the shortest time possible Guaranteed!
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Posted on Friday, March 11th, 2011 at 6:51 am
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