January 22,2007

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  Card Profile: Liberty Union Card

  Brand: Visa
  Issuer: Four Oaks Bank and Trust

  Who it's for: Those who can't get traditional credit, but still want to participate in a rewards program. Must be willing to pay higher-than-average fees for pretty much any activity on or related to the card.

  
  Rewards Summary: Unspecified airline rewards program

   

  Card Summary: Remarkably fee-heavy, but with global Visa acceptance. Opening balance minimum is $10.

   

  Rate: Fixed

  A.P.R.: N/A
  Annual Fee? None

  Other Fees: One-time application fee - $59.95, one-time processing fee - $90, monthly fee - $3.95 ($4.95 for hologram debit card), inactivity fee - $10, reload fee - $1.00, ATM or teller withdrawal - $1.50, ATM Balance Inquiry - $1.00, online balance inquiry - 10 cents, automated telephone inquiry - 50 cents, customer service live call - $3.00, automated telephone service - 50 cents, paper statements (per statement - special request) - $5.00, replace card - $5.00, cancel card - $5.00

  Grace Period: N/A
  Late / Overlimit Fees: N/A
  Low / Zero Percent Intro A.P.R.?: N/A
   

  
  All rates and rewards are subject to change at the discretion of the card issuer.

  
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