360 Federal Credit Union Secured Visa Classic
in Personal Credit Cards from 360 Federal Credit Union
Unaffiliated360 Federal Credit Union Secured Visa Classic
in Personal Credit Cards from 360 Federal Credit Union
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| Purchase APR (Variable APR) | 15.50% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | N/A |
| Annual Fee | $0 |
360 Federal Credit Union Secured Visa Classic Review
360 Federal Credit Union Secured Visa Classic is a credit card issued by 360 Federal Credit Union. If you're wondering whether 360 Federal Credit Union Secured Visa Classic is the right card for you, read on. This is everything you need to know to make a good choice.
Key takeaways:
- Competitive APRs. 360 Federal Credit Union Secured Visa Classic has a variable purchase APR of 15.50%
- 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.
360 Federal Credit Union Secured Visa Classic Pros and Cons:
| The Good | The Bad |
|---|---|
|
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Is there a 360 Federal Credit Union Secured Visa Classic cash back or rewards program?
No, 360 Federal Credit Union Secured Visa Classic does not offer a rewards program.
What are the relevant APRs for 360 Federal Credit Union Secured Visa Classic?
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 has lower than average purchase APRs.360 Federal Credit Union Secured Visa Classic has a variable purchase APR of 15.50%. It also has a variable cash advance APR starting at 15.50% . 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.
Does 360 Federal Credit Union Secured Visa Classic have an introductory APR offer on balance transfers?
No, 360 Federal Credit Union Secured Visa Classic does not come with an introductory APR offer for balance transfers.Does 360 Federal Credit Union Secured Visa Classic have an introductory APR offer on new purchases?
360 Federal Credit Union Secured Visa Classic does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for 360 Federal Credit Union Secured Visa Classic?
The following fees apply to 360 Federal Credit Union Secured Visa Classic:
- An overlimit fee of $20.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $20 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | $25 |
Does 360 Federal Credit Union Secured Visa Classic have a foreign transaction fee?
360 Federal Credit Union Secured Visa Classic 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.How to apply for 360 Federal Credit Union Secured Visa Classic
- Visit the 360 Federal Credit Union Secured Visa Classic 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.
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Contact
- Headquarters
-
191 Ella Grasso Turnpike
PO Box 273
Windsor Locks, CT 06096 - (800) 544-4728
- Visit Site
About 360 Federal Credit Union Secured Visa Classic
View all personal credit cards offered by 360 Federal Credit Union
Availability
Available in 50 states and Washington, D.C.
- 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 |
| Minimum Interest Charge | $0.01 |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | 2% |
| Foreign Currency Transaction Fee | 1% |
| Over-Limit Fee | $20 |
| Returned Payment Fee | $25 |
| Paper Statement Fee | $10 |
| Late Fee Amount | Starting at $25 |
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