360 Federal Credit Union Secured Visa Classic Credit Card Review

360 Federal Credit Union Secured Visa Classic Credit Card is a secured credit card credit card issued by 360 Federal Credit Union. If you're wondering whether 360 Federal Credit Union Secured Visa Classic Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. 360 Federal Credit Union Secured Visa Classic Credit Card has a variable purchase APR of 13.25%
• 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.
• 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
Lower than average purchase APRs. No annual fee. Identity Theft Protection. Credit history not required. Considers applicants with fair or poor credit. 360 Federal Credit Union Secured Visa Classic Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase. Does not include many credit card benefits.

Is there a 360 Federal Credit Union Secured Visa Classic Credit Card cash back or rewards program?

No, 360 Federal Credit Union Secured Visa Classic Credit Card does not offer a rewards program.

What are the 360 Federal Credit Union Secured Visa Classic Credit Card benefits?

360 Federal Credit Union Secured Visa Classic Credit Card provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for 360 Federal Credit Union Secured Visa Classic Credit 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. 360 Federal Credit Union Secured Visa Classic Credit Card has lower than average purchase APRs.

360 Federal Credit Union Secured Visa Classic Credit Card has a variable purchase APR of 13.25%. The card has a variable balance transfer APR of 13.25% . It also has a variable cash advance APR of 13.25% . Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for 360 Federal Credit Union Secured Visa Classic Credit Card?

The following fees apply to 360 Federal Credit Union Secured Visa Classic Credit Card:

• An overlimit fee of $20.

360 Federal Credit Union Secured Visa Classic Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$20
Foreign Transaction Fee	1%
Returned Payment Fee	$25

Does 360 Federal Credit Union Secured Visa Classic Credit Card report your account activity to credit bureaus?

Yes, 360 Federal Credit Union Secured Visa Classic 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 360 Federal Credit Union Secured Visa Classic Credit Card

• Visit the 360 Federal Credit Union Secured Visa Classic 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.