About Wachovia Credit Cards

A Wachovia credit card has many benefits and special programs associated with it. The Wachovia Platinum Visa with Rewards card has many different features to meet individual needs. It is associated with Wachovia banks. Like all credit cards, a Wachovia credit card works well when the owner uses good financial judgment and pays bills on time.

Features

The Wachovia Platinum Visa with Rewards has several different features. There is a six-month 0% interest on balance transfers when you first get your card. You can get personal attention around the clock from a Wachovia credit card specialist. Some late fees and overlimit fees may be waived one time in a 12-month period. You are also provided with identity protection. You are not liable for purchases made through the Visa network if you did not authorize these purchases. If you have a Wachovia checking account, you can link your credit card to the checking account and have overdraft protection.

Benefits

The Wachovia credit card rewards program is called Wachovia Possibilities Rewards program. When you make qualifying purchases with your Rewards card, you earn points to be used toward this program. You must register your card into the no-fee program before you can take advantage of the benefits. You can earn more bonus points when you use your card to buy online purchases through the Earn More Mall on the Wachovia Possibilities website. (See the link in the Resources section of this article.) You can use your points to purchase gift cards, merchandise and trips.

Considerations

You can apply for a Wachovia Platinum Visa with Rewards card by calling [phone]. There is someone available to take your call and application 24 hours a day, seven days a week. You can also visit your nearest Wachovia financial institution. You can find the locations by looking on the Wachovia.com website and clicking locations. You will be asked for your address, city, and state to find the closest location near your home. You can either call the branch or go in to apply for a credit card. If you have a checking or savings account with the bank, you may be able to apply online.

History

Wachovia was formed in 2001 when First Union corporation and Wachovia corporation merged and became Wachovia. Wachovia started in the late 19th century. On June 16, 1879, William Lemly moved his bank from Salem to Winston and opened his doors, becoming the new Wachovia National Bank. He started business with a capital of $100,000. In 1893 in Winston, Francis H. Fries started Wachovia Loan and Trust Company. The two financial institutions joined together in 1911.

Size

Wachovia is the fourth largest bank holding company in the United States based on assets. It is the third largest full-service brokerage firm based on financial advisors in the United States. They have full financial offices in 21 states. According to their website, they have fifteen million households and businesses as their clients. A Wachovia credit card, which is linked to your bank account, should be secure since the bank has a long history and many clients.

Resources

• Earn More Mall