The road to good credit begins here.

Whether you’re looking to establish or rebuild your credit history, the Kinecta Visa® Platinum First card is the first step in the right direction.

Kinecta Visa Platinum First offers these benefits and more!

• Low Annual Fee
• No Security Deposit
• Low Variable APR

APR: Annual Percentage Rate. This account is variable and the APR will vary with the market. As of 4/15/12, the APR is 15.24%. Rate is determined based on creditworthiness. Cash Advance Fee & Transfer Fee: 3% of the amount of each transfer with a $10.00 minimum, $100.00 maximum, whichever is greater. Foreign Transaction Fee Balance: 1.0% of each foreign transaction, regardless of whether the transaction is U.S. dollars or in foreign currency. Visit a Kinecta location or www.kinecta.org for current rates. Your rate may increase if your account is consistently past due. Kinecta can change the account terms, including fees, at any time for any reason. A 45-day notice will be provided to you before these changes occur, and you have the right to opt out of changes. To the extent your payments exceed the minimum payment due each billing period, we will apply these excess amounts to balances with high APRs prior to balances with low APRs.