Sometimes the people who work the hardest seem to struggle the most. Luckily, the Union Plus Credit Card can help these hard workers when they need a little extra cash. These cards are issued by HSBC, one of the largest financial institutions in the world. However, unlike most HSBC products, these cards are only available for people who are affiliated with unions. They do not talk to your unions about your loan. They simply only offer this to people with union involvement, and it is approved by the AFL-CIO.
Union Plus offers a few different cards to suit the varying needs of their clients. They offer a Visa Classic. This one donates money every year to scholarship programs, and it offers cardholders collision insurance on car rentals. Their Visa Gold offers the same coverage for rental cars as well as Travel and Emergency assistance, and a warranty program. Whenever you buy a new toy, the bank will cover it with a five year warranty. Their Platinum Visa offers all of the same services as the other visas. However, it is reserved for people with exceptional credit scores. This card offers at least a $5,000 credit limit.
The company also offers a similar set of MasterCards. These carry similar features to the Visas. Like the Visas, they also do not carry a yearly fee. The only Union Plus credit card that charges a yearly fee is their secured card. The fee is $20 a year. Secured cards work a little differently than regular cards. The cardholder places anywhere from $250 to a couple thousand dollars in a savings account with HSBC. HSBC, then, allows them to have a card with the same limit as the funds in the savings account. The card is secured by the funds. After eighteen months of satisfactory payments, HSBC will review their account to see if they can offer the borrower a regular account.
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If you are a member of one of the country’s unions, you cannot go wrong with the Union Plus Credit Card. They offer many options, great rates, and quality services. All of these products are specially made for people in unions by a trusted name in the finance industry.
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