Do you want to enjoy the convenience, security, and rewards of a credit card that also supports a good cause? If so, get an American Heritage Credit Card today. Here is why: An American Heritage Credit Card is more than just a plastic card. It’s a symbol of your membership in a credit union that values your financial well-being and your community involvement. Enjoy lower fees, better rates, and personalized service from a credit union that puts you first.
Do you even know this credit card is a tool for building your credit history and improving your financial health? Another shocking hidden value of this American Heritage credit card you may not know about is that it is a way to make a difference in the lives of children in need. Every time you use your credit card, you contribute to The Kids-N-Hope Foundation, a charity that provides music therapy for children in hospitals.
Don’t settle for a credit card that only benefits the bank. Get an American Heritage Credit Card today and experience the difference of being part of a credit union that cares about you and your community. If you are wondering how you can start, you are in the right place. Peruse this article to get the step-by-step guide that can turn you into an American Heritage card holder. Are you ready? Dive in now into the article.
To effortlessly get an American Heritage credit card:
- Understand How Credit Cards Work
- Become a Member
- Familiarize Yourself with American Heritage Credit Card Options
- Check Your Credit Score
- Assess Your Financial Situation
- Gather Your Necessary Paperwork
- Submit Your Application
1. Understand How Credit Cards Work
To become an American Heritage card holder, understand how a credit card works.
A credit card lets you borrow money to pay for things, but you need to pay it back with interest if you don’t pay in full every month.
Your credit card has a limit, a balance, a minimum payment, a due date, and an APR that you should know and keep track of.
Credit cards can be good or bad for you depending on how you use them, so be careful and responsible with your spending.
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2. Become a Member
To obtain an American Heritage credit card, become a member of the American Heritage Credit Union. Know that American Heritage Credit Union covers 11 states in the US, including Pennsylvania, New Jersey, Delaware, Maryland, Virginia, West Virginia, North Carolina, South Carolina, Georgia, Florida, and Alabama.
You can join the credit union if you live, work, worship, or attend school in one of their service areas, or if you are related to an existing member. Can you imagine having access to over 5,300 shared branches and 30,000 ATMs nationwide through the CO-OP network—as a member of American Heritage Credit Union? Note that to officially become an official member, you must open a primary shared account with a minimum deposit of $15.
3. Familiarize Yourself with American Heritage Credit Card Options
To apply for an American Heritage credit card, familiarize yourself with American Heritage credit card options.
You can only get three credit card options from American Heritage Credit Union which offers: the Cash Reward Mastercard®, the Platinum Preferred Mastercard®, and the Platinum Secured Mastercard®. Each card has its unique features and benefits, like:
Cash Reward Mastercard®
Earn up to 3% cash back on all your purchases, including gas, groceries, travel, and dining. Plus, get a $150 bonus reward when you spend $1,500 in the first 90 days. Forget about the annual fee and balance transfer fee.
Platinum Preferred Mastercard®
Enjoy an introductory 0% APR on purchases and balance transfers for the first 9 months, and 9.99% APR thereafter. Plus, earn 15,000 ScoreCard® rewards points when you spend $1,500 in the first 90 days. Don’t worry about the annual fee and balance transfer fee.
Platinum Secured Mastercard®
Build or rebuild your credit history with a secured card that requires a deposit of $300 to $25,000. Low 15.90% APR and low annual fee of $35.
Know that all American Heritage Credit Cards also come with Mastercard® benefits, such as extended warranties, travel protection, ID protection, price protection, and more. Be aware that on every purchase you make through any of your American Heritage Credit Cards, the credit union donates $.01 to The Kids-N-Hope Foundation.
4. Check Your Credit Score
To qualify for an American Heritage credit card, check your credit score. Your required credit score for an American Heritage Credit Card depends on the type of card you apply for. According to NerdWallet, the Platinum Classic Mastercard® is suitable for you if you have average to excellent credit, which means a credit score of 630 or higher.
Choose Platinum Preferred Mastercard® and the Cash Reward Mastercard® if you have good to excellent credit, which means a credit score of 690 or higher. Settle for Platinum Secured Mastercard® if you are an individual who needs to establish or rebuild his/her credit history, and you may have to deposit $300 to $25,000 as collateral.
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5. Assess Your Financial Situation
To successfully manage your American Heritage credit card, assess your financial situation. Do this to make sure you can afford to use a credit card responsibly. Check your credit score and credit report and calculate your debt-to-income ratio. Make a budget and track your spending. Additionally, save for emergencies and goals and pay off high-interest debt.
6. Gather Your Necessary Paperwork
To successfully apply for an American Heritage credit card, gather your necessary documents. Provide documents or information like your name, income, social security number, etc. You may also need to provide proof of identity and income, a deposit amount, or balance transfer information depending on the type of card you choose. In addition, you can apply online or in person and wait for approval based on your creditworthiness and other qualifications.
7. Submit Your Application
To get an American Heritage credit card, submit your application and wait for approval. Your application is subject to approval based on your creditworthiness and other qualifications. Expect feedback from American Heritage within a few days or weeks. If you receive approval, you are going to get your credit card in the mail along with your credit limit, APR, and other terms and conditions.
Recap
To become an American Heritage Credit Union cardholder, understand how a credit card works and acquaint yourself with American Heritage’s different credit card options. Join the American Heritage Credit Union, check your credit score, and evaluate your financial needs. Finally, get the important documents and submit your application.
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