Low rates, generous terms, and a credit limit you’ll never complain about.
Getting carded with Altana means getting the rate you deserve. Our credit cards reward you with the best rate (based on your credit score). You’ll get a low rate and a 25-day grace period that helps you stay on top of things. Enjoy credit limits up to $20,000, and extra coverage if you exceed your credit limit. As a business owner you can use our consumer credit card to help track expenses.
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Get the rate you deserve (and instant purchasing power), based on your credit score. It’s rewarding!
How long will it take to pay off my credit card?
Fill in the details on this handy calculator to get an idea of how long it will take to pay off a credit card debt.
Forget your wallet.
This may be the only wallet you need when you add your Altana cards to your phone.
3 step set-up:
- Open your phone’s wallet and scan your Altana credit and debit cards.
- Use at popular merchants that accept mobile payments.
- Unlock your phone and hover it over the terminal.
Credit Card FAQs
My card was declined. Now what?
Please give us a call at 406-651-2328.
My card was lost/stolen. Can you help?
We’re here to help!
Call 406-651-2328 or log into online banking, click “settings” then “cards” to block your card.
Can I make payments online?
Yes! You can pay Altana loans and credit cards directly from our digital banking.
How do credit cards work?
Credit cards allow you to borrow money up to a certain credit limit to make purchases for goods or services or access cash advances. You’re required to make at least the minimum payment each month, and if you don’t pay off the full balance by the due date then interest is charged on the remaining balance. Managing a credit card responsibly involves paying the balance on time and in full whenever possible to avoid interest and build a positive credit history.
How does credit card interest work?
Credit card interest is charged on any unpaid balance from your previous billings cycle. If you don’t pay off the full balance by the due date, interest is applied to the remaining amount, often at a high annual percentage rate (APR). This interest compounds, meaning you will pay interest on both the principal and any previously accrued interest.
Are credit cards secured or unsecured?
Credit cards can be secured or unsecured. Unsecured credit cards do not require collateral, approval is based on your creditworthiness, and you are given a credit limit based on your credit score and income. Secured credit cards require funds from a share account as collateral, which acts as your credit limit, and is often used to build or rebuild credit.
Can credit cards be used at ATMs?
Yes, credit cards can be used at ATMs to withdraw cash, known as a cash advance. However, there are important considerations like fees and interest rates on cash advances that generally start accruing immediately. The amount you can withdraw is usually limited and depends on your credit card’s cash advance limit.
What is the difference between a credit card and debit card?
Credit cards let you borrow money up to a limit and pay back later. Debit cards use funds directly from your checking account.
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