The Wachovia credit card is not as long established as you might think. The bank itself did not join in the fray of credit cards until just in 2006 when the Wachovia credit card business was unveiled. Until then, Wachovia credit cards were administered by other companies. For a while the bank had hoped to showcase a new Wachovia MBNA credit card but when MBNA was purchased by a rival bank, Wachovia had little choice but to find another way of doing business and the in-house Wachovia credit card services department was founded.

At this point in time, a Wachovia credit card account is pretty much a competitive product with other credit cards, perhaps it comes out on top with quite a few of them. Many of the services are, of course, comparable. There is the Wachovia credit card payment online option that is open to all current customers with a Wachovia credit card account. If you are ready to apply for your Wachovia credit card, you will be able to fill out an application on the ‘Net as well. The Wachovia credit card login page is easily and quickly accessible, and you will find many other bits of valuable information once you are logged in to your account.

Showcasing itself as a bank that values the individual consumer, a Wachovia credit card offers you benefits that you will not usually find with other cards. The fact that once every 12 months you are automatically treated to a reversal of an over limits fee or late fee which you may have incurred makes the Wachovia credit card a force to be reckoned with. While other credit companies may do the same, they usually require the consumer to call in and ask for the fees to be waived.

In addition to the foregoing, your Wachovia Bank credit card also carries significantly lower APRs than some of the competitors. If you have Platinum Wachovia business credit cards you may enjoy between 11.24% and 16.24% APRs, while a Classic Wachovia student credit card may incur between 16.24% and 20.24% APR. Other Wachovia credit card accounts, such as the Signature line, may carry 10.24% to 16.24% - depending on your FICO score. All this Wachovia credit cards info is available online or via the mail on request. These low rates make the Wachovia credit cards CFO friendly for any business, small, medium or large!