Nowadays, million secrets of successful managing in the financial world are more important than never before. Welcome the Lower Rate Huntington Credit Card – a financial instrument that was created for those clients who value reasonable rates more than fabulous bonuses. 

This means that just like you have this card with you today as you shop or travel with, you are not blindly swiping the card but consciously doing it in a bid to avoid ending in a cycle of credit card debt and keep most of your earnings. The obvious advantage of the Huntington Credit Card is that it does not look like a credit card at all, yet is one in every way. 

Main features of the Lower Rate Credit Card Huntington

This is a credit card from Huntington National Bank a financial that focuses on offering credit solutions and services to people with the goal of making them financially stable. This credit card is designed for those card users who are more concerned about saving their cash than accumulating points or cash back. 

While there are many other credit cards that offer long lists of reward system but with a very high interest rate on charges, the Huntington Credit Card does not complicate things but offers the best. This card is at its best when it has a lower APR than your current credit cards, and is designed to help you restore order.

Understanding the annual fee 

Fortunately, the Huntington Credit Card is free from an annual fee. Well, having said so, Huntington has taken away one of the major possible excuses for not owning credit cards. Some of the credit cards that come with some form of bonus, whether it is in form of points or coupons, expect cardholders to pay an annual fee to be able to carry the card.

Deciphering credit limits

There are several factors which are considered and these include your credit score, your income as well as your debt to income ratio. Huntington casts a wider net to reach a conclusion on what can be the most appropriate credit limit for you. Such a self-organization lets you avoid a high limit that will make you spend unbearably more money, or a low limit that will deprive you of many buying opportunities.

Advantages of the Lower Rate Credit Card Huntington

• No Foreign Transaction Fees: Taking a vacation trip outside your country? You will not be on the receiving end of charges which are on top of your expenses. 
• No Penalty APR: So, you won’t find your APR being raised by Huntington because you carried out another transaction that took you over the credit limit or failed to meet your payment due date. 
• Card Lock Feature: In the event of loss or theft of your card, you can easily freeze it through the Huntington mobile application or through Internet Banking.

Standout advantage

The most positive aspect of the Huntington Credit Card that any consumer would easily and quickly note is a lower APR. While most credit cards lure you with promises of numerous incentives, all these come with steep tariffs that practically erase the rewards received.

Addressing potential drawbacks

• No Rewards Program: Like with many other credit cards, Huntington’s lower rate card does not have a rewards program as well. 
• Limited Travel Perks: The downside of the card could be the fact that if you often travel, you may not be able to enjoy some of the other travel related privileges extended to cardholders, such as free airport access or travel insurance.
• Basic Features: What it lacks in terms of the privileges other credit cards possess, however, the card is rich in basics. 

Standout disadvantage

The major drawback that one would be able to note of the Huntington Credit Card is that there is no rewards program associated with the card. In the case of the consumers, the opportunity to earn rewards points, or cashback, is usually the driving force for spending on their credit cards.

Eligibility criteria 

To become eligible for this card you have to be an individual that is a resident of the U. S, you have to be of eighteen years of age at least, and you have to have a source of income that can be verified. The credit score will also come into play here because the Huntington is known to approve applicants who have a good to excellent credit rating. To apply for the credit card, you must first be a Huntington banking customer, although you can open an account with the bank the time of applying for the credit card.

How to apply for the Lower Rate Credit Card Huntington

The Huntington Credit Card application is easy to complete or otherwise, it is crucial to think things through before applying. If you like making an application online, through Huntington’s mobile application or just physically walking into the Huntington branch, credit card application has not been made too hard.

Via website

Firstly, using any internet browser, logged in to the Huntington website and enter the credit card tab. On that website, one will get a clear and comprehensive knowledge about the Lower Rate Credit Card and it’s features, specifications and its terms and conditions. 

The grounds for collecting data will be as simple as the provisions of the application form where you are likely to fill your name, address as well as the Social Security number, income details among other personal details. 

After entering all the information in the form, on the final step you will be offered to familiarize yourself with the terms and conditions of the offer and only then submit the application. The decision regarding your application is normally made within a few minutes after you have lodged it.

Through the mobile application

A freely accessible app can be downloaded for iPhones and iPads from the iTunes store and for smartphones and tablets running on Android from the Play store. After installing the app to your phone just like other applications, one is supposed to log in to their Huntington account. 

If you are not a client yet, the app also includes an option to quickly and without much effort open an account. In the application, going to credit card application is quite easy. There is usually a checklist by which each step is outlined in a very simple manner, making the completion of the application from a mobile device possible.

Through the store/branch

If you want to apply for in-branch, there’s the necessity to go to Huntington in a branch. Perhaps, it will be useful to bring such documents as identification cards, proof of income, and the number of the social security. The representative will help you to fill in all the necessary details while applying and ensuring that the details are well captured.