121 Financial Credit Union Visa Platinum Secured Card
in Personal Credit Cards from 121 Financial Credit Union
Unaffiliated121 Financial Credit Union Visa Platinum Secured Card
in Personal Credit Cards from 121 Financial Credit Union
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| Balance Transfer APR (Variable APR) | 14.4% |
| Credit Score Range | 300 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 14.4% |
121 Financial Credit Union Visa Platinum Secured Card Review
121 Financial Credit Union Visa Platinum Secured Card is a credit card issued by 121 Financial Credit Union. If you're wondering whether 121 Financial Credit Union Visa Platinum Secured Card is the right card for you, read on. This is everything you need to know to make a good choice.
Key takeaways:
- Competitive APRs. 121 Financial Credit Union Visa Platinum Secured Card has a variable purchase APR of 14.4%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 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.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
121 Financial Credit Union Visa Platinum Secured Card Pros and Cons:
| The Good | The Bad |
|---|---|
|
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Is there a 121 Financial Credit Union Visa Platinum Secured Card cash back or rewards program?
No, 121 Financial Credit Union Visa Platinum Secured Card does not offer a rewards program.
What are the 121 Financial Credit Union Visa Platinum Secured Card benefits?
121 Financial Credit Union Visa Platinum Secured Card 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 Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. 121 Financial Credit Union Visa Platinum Secured Card has lower than average purchase APRs.121 Financial Credit Union Visa Platinum Secured Card has a variable purchase APR of 14.4%. The card has a variable balance transfer APR of 14.4% . It also has a variable cash advance APR of 14.4% . 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 Card have an introductory APR offer on balance transfers?
No, 121 Financial Credit Union Visa Platinum Secured Card does not come with an introductory APR offer for balance transfers.Does 121 Financial Credit Union Visa Platinum Secured Card have an introductory APR offer on new purchases??
121 Financial Credit Union Visa Platinum Secured Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the 121 Financial Credit Union Visa Platinum Secured Card fees?
The following fees apply to 121 Financial Credit Union Visa Platinum Secured Card:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| 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 Card have a foreign transaction fee?
121 Financial Credit Union Visa Platinum Secured 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 a foreign transaction fee.Does 121 Financial Credit Union Visa Platinum Secured Card report your account activity to credit bureaus?
121 Financial Credit Union Visa Platinum Secured 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 can help improve your credit score.
How to apply for 121 Financial Credit Union Visa Platinum Secured Card
- Visit the 121 Financial Credit Union Visa Platinum Secured 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 you're denied click here to find out why your application may have been rejected and what you can do about it.
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
About 121 Financial Credit Union Visa Platinum Secured 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
| No Annual Fee | |
| Annual Fee | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | 2% |
| Foreign Currency Transaction Fee | 1% |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $25 |
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Other Personal Credit Cards
121 Financial Credit Union Personal Credit Cards
Balance Transfer APR
11.99% - 17.90%
Credit Score Range
650 - 850
Annual Fee
$0
Purchase APR
11.99% - 17.90%
Balance Transfer APR
12.99% - 17.90%
Credit Score Range
750 - 850
Annual Fee
$0
Purchase APR
12.99% - 17.90%
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