How To Apply For Lake Michigan Credit Prime Platinum Card

If you are one of those people who is planning to carry balances, then you are supposed to look for a low-interest credit card. Every single credit card user who is looking for the lowest possible interest rates can opt for lower rate cards, like Lake Michigan Credit Prime Platinum Card. This is a simple and straightforward card that offers you a plentiful limit as much as $25000 for the people who qualify. This credit card also has 6.25% APR, which is quite low. The best part is that this is a no-annual-fee card that doesn’t come with any hidden charges. There are no rewards, but this card is a good choice for those who need a card that they can carry free-of-cost with the low interest for the occasional charges. You can also opt for this card if you occasionally make large purchases.

Lake Michigan Credit Union Offer 2 Cards

If you don’t find the Lake Michigan Credit Prime Platinum Card a good deal, then there is another version available for you. The second option is called Max Rewards Visa card. If you don’t find the Prime Platinum card up to your expectations or requirements, then you can also go through the details of the second card on their website. If you like the 3 percent cash back feature, then you can opt for the Max Rewards Visa card. If you need a high credit limit, such as $25000 and low APR, then you can opt for the Prime Platinum Card. Both cards fit the diverse needs of different consumers.

The Prime Platinum card is acceptable all across the world and you get round-the-clock access to the cash via ATMs. This card has 6.25% Variable APR that is tied to the Prime. When the interest rates go up or down, the APR might change. The card has a 25 day grace period. The grace period permits you to avoid the interest fees on the online purchases by paying the balance amount in the full before the period ends. However, the balance transfers and cash advances start to accrue the interest on the transaction date.

Shopping And Travel Benefits

For the cardholders, children, and spouse, this card offers free-of-cost auto rental insurance. This will allow you to waive the optional choices of rental while renting the vehicles and still receiving the coverage. Another benefit of this card is that it offers you round-the-clock travel assistance, such as cash disbursements and card replacement. There is $0 liability for the fraudulent purchases. The cardholders can also consider Verified by Visa for setting up the password for the online shopping. This card doesn’t come with rewards, but the low-interest rates mark it as a decent choice to finance larger purchases.

Lake Michigan Credit Prime Platinum Card Fees

The Prime Platinum card doesn’t have an annual fee. The 6.25% Variable APR applies to balance transfers, cash advances, and purchases. On cash advances, there will be a 3% transaction fee. However, there is no fee on balance transfers. If your payment is over 35 (thirty-five) days past due, then the late fee might be assessed. If you have lost your card, then the card replacement fee would be $5. If you again lose your card, then the replacement fee would be $10 every time. In the rush processing, the fee would be $30. The card has a $25 returned check fees.

Summary Of Pros And Cons

Pros: This is a credit card without any annual fee, which is definitely a plus. Balance transfers also don’t cost you anything. Unlike many other credit cards on the market, this card does not charge any hidden costs. The credit limit is up to $25000, which is definitely impressive.

Cons: On the downside, the card doesn’t come up with a rewards program. So, if you need rewards, then this isn’t the right option for you. In order to get this card, you must be a member of the Lake Michigan Credit Union.

Instructions To Apply For The Lake Michigan Credit Prime Platinum Card

So, have you decided to apply for this card? If yes, then you can apply for the card over a phone call by dialing (844) 301-889. Or, you can apply online by following the simple instructions that are as below:

1. Power on your personal computer and launch whatever internet browser you normally use. After that, access the official Lake Michigan Credit Prime Platinum Card page to start the process.
2. Now, if you are not a member yet, then click the orange “Become a Member” button at the top right-hand side of the page and complete the registration process. If you are already a member, then scroll down this page a little and click “Apply Online” button.

A new page will open on a separate tab of the browser. Now, make sure that the selected card is “Prime Platinum” and after that click the “Next” button. Now enter your personal information and click “Next” button. After that, you should customize the product and go through the available options. Finally, review the summary of the information you have provided and submit the online application.

For more information, you can dial the Lake Michigan Credit Union helpline number and talk to one of their customer service agents.