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GE Capital Retail Bank Northwestern University Platinum MasterCard | Love Your Wildcats?

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Wildcat students and parents use the GE Capital Retail Bank Northwestern University Platinum MasterCard to accommodate higher learning, and more exciting tailgating. With customized Northwestern design, this Platinum MasterCard offers ample rewards and plenty of perks. Parents especially like card features and passive benefits including Travel Accident Insurance, Extended Warranty Insurance and Car Rental Damage Waivers.

With general purchase APRs varying between 19.99% and 23.99%, the GE Capital Retail Bank Northwestern University Platinum MasterCard isn’t shooting for the most enticing rates. Instead, it offers its powers to credit card consumers who may not have perfect credit. There is a 0% intro APR, but after that you should probably always strive to get that balance paid in full each month in order to avoid any interest charges. The Cash Advance APR runs constant at 26.99%.

Benefits of the GE Capital Retail Bank Northwestern University Platinum MasterCard

Students love to travel, especially to come home during holidays. Parents love the visits, but dread having their kids on the congested roads. And that’s one way the GE Capital Retail Bank Northwestern University Platinum MasterCard delivers the goods. It comes with Master RoadAssist® Service. That means that with an easy consult on their always-handy cell phones, students can call 800-MC-ASSIST and quickly get help with flats, fuel, jump starts, towing and more.

And to help with trip planning, the GE Capital Retail Bank Northwestern University Platinum MasterCard offers MasterTrip® Travel Assistance. With this Platinum MasterCard benefit, students can gain knowledge about traveling abroad. Information about necessary documentation, immunizations, customs, currency exchange and loads more is available. If luggage gets lost, this service helps to track it down and get it back to you as quickly as possible. And if a student gets in any situation where emergency cash is needed, MasterCard will accommodate money transfers from family and friends, all for free.

With MasterRental® Insurance included with the GE Capital Retail Bank Northwestern University Platinum MasterCard, parents can worry less about damages that may happen to their students’ rental cars. Let’s face it, a few college kids in a rental car can lead to mischief. If, let’s say, a beer somehow gets spilled on the seat, you’re covered. If in some odd way, someone happens to get sick in the trunk, then the cleaning is covered. Even if the car is wrecked, incinerated and forever destroyed, it’s covered. The car must be rented with the card and the car rental agency’s insurance must be declined.

With Travel Services Medical Assistance, your GE Capital Retail Bank Northwestern University Platinum MasterCard gives you a powerful connection to an international network of health professionals. If a cardholder is in an accident while traveling outside the US, her stateside physicians and/or other health care providers will be contacted. This allows her primary health care providers to monitor her progress and offer advice to foreign providers. And if life is lost, MasterCard will provide assistance for getting everyone in the traveling group back home.

College students love to shop – for electronics, for cloths, for sports tickets, and for alcohol. It’s true. And while it may not work so well for the booze, the Purchase Protection services that come stock with the GE Capital Retail Bank Northwestern University Platinum MasterCard applies to most other purchases. This feature provides 90-day coverage on purchases to protect against damage, theft or loss. If you lose or have an item stolen or damaged within 90 days of purchasing it, you can claim reimbursement from MasterCard. Each incident has a $1000 cap on it and the yearly cap for all incidences that may occur is $50,000. I believe this to be a large number thrown out by MC that will never realistically be possible. I mean, who could file 50 legitimate claims like this in a year? Anyway, it’s nice to know that it exist, but I gave up trying to understand the extra long list of exclusions for this coverage. Read the fine print!

To further accommodate pleasing shopping experiences for hardworking college students, the GE Capital Retail Bank Northwestern University Platinum MasterCard offers Extended Warranty insurance too. This benefit doubles the standard U.S. warranties on products. This applies to warranties for a maximum 1-year extension. So, if you buy an item with a 9-month warranty, then you’re covered for 18 months. If you buy an item with a 24-month warranty, then you’re going to be covered for 36 months. The maximum is 1 year. It’s a nice feature for any credit card to offer, especially for shopaholic college students.

Well suited for foreign transfers and other students studying abroad, MasterCard Global Service® is a potential lifesaver. Every day of the year, 24 hours daily, this benefit is in place to offer emergency card replacement. If you lose your GE Capital Retail Bank Northwestern University Platinum MasterCard, or have it stolen, then you can call MasterCard and have a new expedited to you. Of course, they will cancel the old card too. Besides expediting you a new card (normally within 2 hours), MasterCard will also send you emergency cash if you need it. You can read more about this and all other features and benefits at the card’s website.

All things considered, this card is a winner for college students. It’s important to plan your spending and never make purchases that you can’t pay in full each month. You want to avoid those interest charges! That’s how people get caught up in a credit world they can’t stay afloat in. The GE Capital Retail Bank Northwestern University Platinum MasterCard can serve Wildcats well, as long as they exercise at least a small degree of study/work/party balancing.

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