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  360 Federal Credit Union Secured Visa Classic Credit Card
360 Federal Credit Union Secured Visa Classic Credit Card Unaffiliated

360 Federal Credit Union Secured Visa Classic Credit Card

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Highlights
Purchase APR 13.25%
Balance Transfer APR 13.25%
Credit Score Range 350 - 600
Annual Fee $0

360 Federal Credit Union Secured Visa Classic Credit Card Review

This is a 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of 360 Federal Credit Union Secured Visa Classic Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Considers applicants who don't have a credit history.
  • 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.
360 Federal Credit Union Secured Visa Classic Credit Card FAQ

Does 360 Federal Credit Union Secured Visa Classic Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

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

It provides the following benefits:

  • 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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.

Does 360 Federal Credit Union Secured Visa Classic Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does 360 Federal Credit Union Secured Visa Classic 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 360 Federal Credit Union Secured Visa Classic Credit Card?

The following fees apply:

  • 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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does 360 Federal Credit Union Secured Visa Classic Credit Card have a foreign transaction fee?

360 Federal Credit Union Secured Visa Classic 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 support contact email for 360 Federal Credit Union Secured Visa Classic Credit Card?

The support contact email for 360 Federal Credit Union Secured Visa Classic Credit Card is supervisory@360fcu.org.

What is the 360 Federal Credit Union Secured Visa Classic Credit Card login page?

You can access the 360 Federal Credit Union Secured Visa Classic Credit Card login page here.

How do people rate the customer service and user experience of 360 Federal Credit Union Secured Visa Classic Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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:

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday 9:30am - 1:00pm

About 360 Federal Credit Union Secured Visa Classic Credit Card

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View all credit cards offered by 360 Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • 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 $5
Cash Advance Fee (%) 2%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 1%
Over-Limit Fee $20
Returned Payment Fee $25
Paper Statement Fee $10
Late Fee Amount Starting at $25
Credit History Not Required
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Cash Advance APR 13.25%
Balance Computation “Average Daily Balance” (including new purchases/transactions)
Penalty APR 18%
Purchase APR 13.25%
Balance Transfer APR 13.25%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Secured
  • Low Interest
Card Network Visa

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