There are plenty of great banks out there for you to choose from. However, if you are looking for a credit card at a very reasonable price, you should definitely consider this Publix Employees Federal Credit Union option.
In this article, we will be discussing everything that there is to know about the card, including a few of its main features and how you can go about applying. More so, we will mention exactly why this credit card may be the best option for you.
- The Publix Employees Federal Credit Union Credit Card
- How to Apply
- Main Features
- About the Bank
- Rates and Fees
- Mobile Banking
- Why this Credit Card?
- The Blog
The Publix Employees Federal Credit Union Credit Card
The Publix Employees Federal Credit Union credit card comes with a number of great benefits and features.
In fact, by signing up for this card, you will gain access to several rewards, including discounts on certain purchases. It is incredibly easy to apply for the card, making it a very popular option.
This credit card offers lower rates and fees than most other options. More so, it includes no fee for balance transfers, making it a great financial decision.
On top of this, the bank offers all clients a banking app, making it incredibly easy to manage your account and make payments.
This credit card can be used just about anywhere in the world. If you notice a ‘VISA’ sign on any ATM, you will also be able to use the card to withdraw money.
It is also important to note that there are 4 different types of cards that you can choose from.
Your creditworthiness will affect which card you will be able to sign up for.
How to Apply
It is incredibly easy to sign up for this credit card. When applying, the first thing that you will need to do is send in an application.
This can be done via the official Publix Employees website or on their mobile banking app. It is important to remember that not everybody qualifies for the card.
For this reason, your creditworthiness may cause your application to be disapproved. However, if it is accepted, the bank will inform you and go about opening your account.
Once you receive your credit card, you can start spending immediately. More so, unlike other credit card companies, this process usually only takes a few days, making it quick, efficient, and simple.
Call for Inquiries
If you have any difficulties during the application process, you can always send the customer support team an email or message in order to ask them any questions that you may have.
These contact details will be available on the official website. However, the banking app has a dedicated section for inquiries.
As we have already mentioned, there are 4 different cards for you to choose from if you decide to bank with PEFCU.
With the classic option, your credit rate on all purchases will be 10.90%, the highest of all the other cards. It is also important to note that you will earn fewer points on purchases with this option.
The platinum option has a credit rate of 9.90 %, while the gold card features a 10.50% credit rate.
The last option available to you is the secured card, which offers additional security and protection protocols. This card has a credit rate of 10.90%.
Rewards and Points
With every purchase made using your credit card, you will earn a specific number of points.
In the long run, these points can be redeemed and used on a number of rewards. For example, many clients use these points to earn cash back on purchases.
However, you can also choose from a number of discounts on future purchases.
About the Bank
The Publix Employees Federal Credit Union is a reliable bank that has been serving the public for many years.
For this reason, if you are looking for a trustworthy company to work through, they might just be the perfect option.
This bank will help you through a number of financial decisions, such as taking out loans or a credit card. On top of this, they offer a great online banking app.
This makes it incredibly easy to manage your account. With this platform, you will be able to make payments, set reminders, transfer fees, check your card balances, and even open new accounts.
Contact the Bank
There are numerous ways in which you can go about contacting the bank. You can use the contact details on their website in order to send them a message or email on firstname.lastname@example.org
They can also be reached using the following number: 1-855-477-1129. It is also important to note that the website has a live support chat that you can add to at any time.
Their head office is located at 3005 New Tampa Highway, Lakeland, FL 33815. And their postal address is PO Box 1000, Lakeland, FL 33802-1000.
Rates and Fees
When signing up for a credit card, it is essential that you know about the different rates and fees.
For starters, you will be charged $0.50 for every ATM cash withdrawal. If a withdrawal is made abroad, this fee will be increased to $1. For every late payment, you will be charged an additional $20.
If making a transaction, you will have to pay 1% interest on the total amount paid. The same rate applies to any international currency conversions.
When applying for a credit card statement copy, you will also be charged $2. However, it is important to note that some of these fees may change slightly depending on the type of credit card you have.
Do Your Research
It is very important that you do your research on the different fees and rates before applying for the credit card.
Your creditworthiness will affect which card you qualify for.
For example, if you earn a decent monthly salary and have a higher credit score, you will be able to apply for the platinum option.
Publix Employees Federal Credit Union takes security very seriously. For this reason, they have adopted a number of efficient security measures in order to keep you and your money safe.
If the bank notices any strange spending or transactions on your account, you will be sent a verification email.
On top of this, there are different card control features in order to prevent certain issues. For example, you can set a monthly limit, and if this limit is exceeded, you will be notified.
Finally, the bank will track the use of your card, making it very easy for them to pick up on any strange activities.
If you visit the bank’s official website, you will notice an entire section dedicated to security.
Here, they discuss several safety precautions that you can take in order to keep your card and account secure.
They also mention a few common scamming and spoofing techniques to be wary of.
Mobile banking is becoming more and more popular as technology improves.
PEFCU offers a very efficient and reliable online banking app, making it easier than ever to manage your account. This platform allows you to perform a number of services.
With that being said, you will also be able to make payments, open accounts, and manage your transactions on the official website.
You will not need to worry about safety and security issues while banking online, as various precautions have been put in place in order to reduce these threats.
The Banking App
As we have already mentioned, the mobile banking app can be used to complete a number of financial services.
For example, you will be able to manage your account on your phone, making it much easier and more convenient than visiting the bank in person.
Why this Credit Card?
There are plenty of credit card options out there for you to choose from. With this in mind, what makes these options so great?
For starters, they include much lower interest rates when compared to competitor cards. More so, your monthly fees and charges will be low if you make your payments on time and in full.
It is also incredibly easy to sign up for one of these cards. The entire application process will only take a few days, meaning that you will be able to start making payments much sooner than usual.
Finally, thanks to the mobile banking app and online banking features, it is very easy to manage your account.
With this bank, you will be able to choose from several credit card options. We have already discussed the four different types of cards.
However, other than the variable interest rates, they each include a number of different services and features.
For example, you will gain access to bigger and better rewards with the platinum card when compared to the classic option.
If you ever have an issue with your account, it is incredibly easy to contact the bank and get to the bottom of it.
You can contact the customer support team directly by using the contact details provided on the official website. On the other hand, the live support chat is available 24/7, making it a great feature.
As we have already mentioned, the mobile app can also be used to contact bank representatives.
For this reason, it is highly recommended that you download the platform in order to get the most out of your banking experience.
Frequently Asked Questions
On top of the options mentioned above, the website includes a blog and FAQs sections.
Any questions left on these platforms will be answered within a few days.
More so, you will be able to browse through any issues that other users might have had in order to find a solution to yours.
The Publix Employees Federal Credit Union offers many great credit card options to choose from. Your creditworthiness will determine whether you qualify for the card. Each option comes with its own features, benefits, and fees, making it important to do your research.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.