Associated Credit Union of Texas Secured MasterCard®
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| Purchase APR (Fixed APR) | 18.00% |
| Balance Transfer APR (Fixed APR) | 18.00% |
| Credit Score Range | 350 - 600 |
| Annual Fee | $20 |
Associated Credit Union of Texas Secured MasterCard® Review
This is a secured credit card credit card issued by Associated Credit Union of Texas. If you're wondering whether Associated Credit Union of Texas Secured MasterCard® is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 18.00%
- 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 relatively good approval odds.
Pros & Cons of Associated Credit Union of Texas Secured MasterCard®
| The Good | The Bad |
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Associated Credit Union of Texas Secured MasterCard® FAQ
Does Associated Credit Union of Texas Secured MasterCard® have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Associated Credit Union of Texas Secured MasterCard® benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Associated Credit Union of Texas Secured MasterCard®?
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 higher than average regular APRs.Associated Credit Union of Texas Secured MasterCard® has a fixed purchase APR of 18.00%. The card has a fixed balance transfer APR of 18.00% . It also has a fixed cash advance APR of 18.00% .
Does Associated Credit Union of Texas Secured MasterCard® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Associated Credit Union of Texas Secured MasterCard® 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 Associated Credit Union of Texas Secured MasterCard®?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $20 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $20 |
| Late Payment Fee | up to $20 |
Does Associated Credit Union of Texas Secured MasterCard® have a foreign transaction fee?
Associated Credit Union of Texas Secured MasterCard® 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 Associated Credit Union of Texas Secured MasterCard®?
The Associated Credit Union of Texas Secured MasterCard® customer service number is (409) 945-4474.
What is the support contact email for Associated Credit Union of Texas Secured MasterCard®?
The support contact email for Associated Credit Union of Texas Secured MasterCard® is acutxhelp@acutx.org.
What is the Associated Credit Union of Texas Secured MasterCard® login page?
You can access the Associated Credit Union of Texas Secured MasterCard® login page here.
How do people rate the customer service and user experience of Associated Credit Union of Texas Secured MasterCard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Associated Credit Union of Texas Secured MasterCard® report your account activity to credit bureaus?
Yes, Associated Credit Union of Texas Secured MasterCard® 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 Associated Credit Union of Texas Secured MasterCard®
- Visit the Associated Credit Union of Texas Secured MasterCard® 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
-
1095 W League City Pkwy, League City, TX 77573, United States
League City, TX 77573 USA - (409) 945-4474
- Visit Site
- Email Support
Other Services by Associated Credit Union of Texas
Availability
- 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
| Cash Advance Fee Minimum | $2 |
| Cash Advance Fee (%) | Starting at 2% |
| Minimum Cash Advance Fee ($) | Starting at $2 |
| Foreign Currency Transaction Fee | 1% |
| Annual Fee | $20 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $20 |
| Paper Statement Fee | $6 |
| Late Fee Amount | Up to $20 |
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