121 Financial Credit Union Visa® Platinum Secured Credit Card
in Personal Credit Cards from 121 Financial Credit Union
Unaffiliated121 Financial Credit Union Visa® Platinum Secured Credit Card
in Personal Credit Cards from 121 Financial Credit Union
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| Purchase APR (Variable APR) | 15.24% |
| Balance Transfer APR (Variable APR) | 15.24% |
| Credit Score Range | 300 - 550 |
| Annual Fee | $25 |
121 Financial Credit Union Visa® Platinum Secured Credit Card Review
This is a secured credit card credit card issued by 121 Financial Credit Union. If you're wondering whether 121 Financial Credit Union Visa® Platinum Secured Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Competitive APRs. 121 Financial Credit Union Visa® Platinum Secured Credit Card has a variable purchase APR of 15.24%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Accepts cosigners. 121 Financial Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
| The Good | The Bad |
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Does 121 Financial Credit Union Visa® Platinum Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the 121 Financial Credit Union Visa® Platinum Secured Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for 121 Financial Credit Union Visa® Platinum Secured Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It has a variable purchase APR of 15.24%. The card has a variable balance transfer APR of 15.24% . It also has a variable cash advance APR of 15.24% . Note that late payments are subject to an APR of 17.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does 121 Financial Credit Union Visa® Platinum Secured Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does 121 Financial Credit Union Visa® Platinum Secured Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for 121 Financial Credit Union Visa® Platinum Secured Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $25 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $25 |
Does 121 Financial Credit Union Visa® Platinum Secured Credit Card have a foreign transaction fee?
121 Financial Credit Union Visa® Platinum Secured Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for 121 Financial Credit Union Visa® Platinum Secured Credit Card?
The 121 Financial Credit Union Visa® Platinum Secured Credit Card customer service number is (800) 342-2352.
What is the support contact email for 121 Financial Credit Union Visa® Platinum Secured Credit Card?
The support contact email for 121 Financial Credit Union Visa® Platinum Secured Credit Card is ask121@121fcu.org.
Does 121 Financial Credit Union Visa® Platinum Secured Credit Card report your account activity to credit bureaus?
Yes, 121 Financial Credit Union Visa® Platinum Secured Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for 121 Financial Credit Union Visa® Platinum Secured Credit Card
- Visit the 121 Financial Credit Union Visa® Platinum Secured Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
701 Riverside Park Place
Jacksonville, FL 32204 - (800) 342-2352
- Visit Site
- Email Support
About 121 Financial Credit Union Visa® Platinum Secured Credit Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | Up to 2% |
| Minimum Cash Advance Fee ($) | Starting at $5 |
| Foreign Currency Transaction Fee | 1% |
| Annual Fee | $25 |
| Returned Payment Fee | Up to $25 |
| Paper Statement Fee | $5 |
| Late Fee Amount | Up to $25 |
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