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Union Plus Credit Card

Attention Union Members! You're eligible for the exclusive Union Plus® Credit Card - the only card endorsed by your union. Join the 3 million members who carry the Union Plus® Credit Card.
No Annual Fee
8.99% Fixed APR on Balance Transfers for the life of the balance
$0 liability on any unauthorized charges
Personal Customer Service - Speak with a representative 24 hours a day
Online Balance Transfer immediately upon approval
Apply now and receive a response within 60 seconds

NO ANNUAL FEE - Some cards give you one year free, then charge $20 or more! Secured Card click here
COMPETITIVE INTEREST RATES - The Union Plus® Credit Card offers competitive interest rates on purchases and Balance Transfers. Please note: if you received an invitation to apply by mail or email, you can find the Terms and Conditions in that invitation.
BALANCE TRANSFERS - Transfer your higher rate balances immediately upon approval.
SKIP PAYMENT PRIVILEGES - You can skip up to two monthly payments each year with no penalty or harm to your credit rating.
STRIKE PAYMENT PROTECTION - When your union is on a union-sanctioned strike or lockout for 30 days or more, you may skip your payment for up to 3 consecutive months. The Union Plus Credit Card is the only credit card that offers you Strike Payment Protection.
LOSS PROTECTION - The Union Plus Credit Card absorbs ALL unauthorized charges.
100% FRAUD PROTECTION - If your Account shows any unusual activity, we'll contact you immediately to protect you against possible fraud.
24-HOUR CUSTOMER CARE - Contact Customer Care online or call a Customer Care Representative, no matter what time of day.
UNION MEMBER ADVOCACY - Created by Union Privilege, this program helps you resolve disputes and handle concerns regarding any of the Union Privilege programs.
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DID YOU KNOW?

	What is a hard money lender? I have heard the term in internet advertisements and by word of mouth, but was not really sure what they were or how they work. I looked into it a little bit and found that they are actually just private individuals with a little extra money that they make available for investment. They will lend the money they have to real estate investors. The loan is usually short term and is generally used by the real estate investors to buy and repair certain properties. So where does the name “hard money lender” come from then? The term is a common one used in the financial world. Soft money is money that has easy terms and a flexible payment schedule. Hard money, on the other hand, has stricter terms to it and the repayment schedule is rigid and completely outlined by the loaner. With private financing, the hard money term becomes even more harsh. The terms of a hard money lender are usually very strict and rigid. Those rigid terms will likely vary from hard money lender to hard money lender. They will also likely be affected by experience of the investor requesting. However, there are some typical terms for hard money lenders. Usually the loan will be for around half to three quarters of the value of the home, post-repairs. The period is usually somewhere between 6 ad 60 months and will charge you 2-10 points on the loan as well. Again, though, there are going to be variations from lender to lender. Hard money lenders are actually a great resource for you if you want to go into real estate investments. There are a couple of reasons. First of all, they give you money on hand so that you can make a purchase as soon as your offer is accepted. In some cases, these lenders will even lend you closing cost money. In addition, they are people, not institutions. You can talk to them on a personal level and build trust with them, which makes it something you can really work with. You will be able to laugh with, talk with, and even befriend your lender if you go the hard money lender route. Keep that in mind as you enter the field, but never forget that you do have a business relationship and that a lot of money can often times be at stake. Though not always easy to find because of their private nature, hard money lenders can be a great resource for real estate investors. They offer quick money without all of the hassle of larger institutions. However, you must also be aware that terms and conditions of hard money lenders have little flexibility and are often tough. Because of that, you must make sure you establish a solid relationship and reputation with any hard money lenders you choose to work through. However, find the right one and you will have money available to you to make your real estate investment experience a successful one.

Debt is a financial burden when not repaid in time. Debt is also an essential part of fueling future financial growth. When debt starts accumulating and it becomes difficult for the person or corporation to re-pay their loans (the principal as well as interest), the time is right for the debt help team to walk in and help those in need.

There are specialized financial consultants who will assess the types o loans that you have taken and how best you can repay them. When it comes to helping you with the debts, a good debt help team will ensure that the debt is mapped out before they can proceed further. At times people have taken a number of small loans, the cumulative of which can be a huge sum.

Think in terms of 15 $100 loans, cumulative sum is $1500. This can be in terms of small payday loans, loans from the local pawnbroker or even cash withdrawals on various credit cards. Lets just say that 10% flat is the interest rate, this means that there is an outflow of $1650 ($1500 + $150 for interest charges. Thus in these situations one would need the help of a team which can help to make repayment of debts easier by working around the repayment options, the tenure of the loan and the interest rates.

Don't be fooled, when the debt help teams say that they can lessen your loans or make your credit report better. Credit reports can only be better when there is repayment of loan and credit that you have taken. This should also be reported to the credit bureaus for them to update their records. You can also ask for your credit report as well as report any discrepancies. This is all free of cost, generally needing only to submit an email address.

Debt help is a wise strategy. Although these services will cost you money, the final outcome will see you less out of pocket than going it alone.