BancorpSouth Visa® Student Credit Card
in Personal Credit Cards from BancorpSouth
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| Purchase APR (Variable APR) | 16.9% |
| Balance Transfer APR (Variable APR) | 21% |
| Credit Score Range | 350 - 600 |
| Annual Fee | $0 |
BancorpSouth Visa® Student Credit Card Review
BancorpSouth Visa® Student Credit Card is a credit card issued by BancorpSouth. If you're wondering whether BancorpSouth Visa® Student Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
- Competitive APRs. BancorpSouth Visa® Student Credit Card has a variable purchase APR of 16.9%
- 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.
- 3% Balance transfer fee. BancorpSouth Visa® Student Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% 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 qualify.
| The Good | The Bad |
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Is there a BancorpSouth Visa® Student Credit Card cash back or rewards program?
No, BancorpSouth Visa® Student Credit Card does not offer a rewards program.
What are the BancorpSouth Visa® Student Credit Card benefits?
BancorpSouth Visa® Student Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for BancorpSouth Visa® Student 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.BancorpSouth Visa® Student Credit Card has a variable purchase APR of 16.9%. The card has a variable balance transfer APR of 21% . It also has a variable cash advance APR of 21% . Note that late payments are subject to an APR of 21% 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 BancorpSouth Visa® Student Credit Card have an introductory APR offer on balance transfers?
No, BancorpSouth Visa® Student Credit Card does not come with an introductory APR offer for balance transfers.Does BancorpSouth Visa® Student Credit Card have an introductory APR offer on new purchases?
BancorpSouth Visa® Student Credit Card does not offer an introductory rate on new purchases.| Description |
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What are the fees for BancorpSouth Visa® Student Credit Card?
The following fees apply to BancorpSouth Visa® Student Credit Card:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $35 |
Does BancorpSouth Visa® Student Credit Card have a foreign transaction fee?
BancorpSouth Visa® Student Credit Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 BancorpSouth Visa® Student Credit Card report your account activity to credit bureaus?
Yes, BancorpSouth Visa® Student 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 BancorpSouth Visa® Student Credit Card
- Visit the BancorpSouth Visa® Student 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.
Contact
- Headquarters
-
201 S Spring St
Tupelo, MS 38804 - Visit Site
About BancorpSouth Visa® Student Credit Card
Availability
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 | $10 |
| Cash Advance Fee (%) | Starting at 3% |
| Minimum Cash Advance Fee ($) | $10 - $60 |
| Foreign Currency Transaction Fee | 2% |
| Minimum Interest Charge | $0.50 |
| Returned Payment Fee | Up to $35 |
| Late Fee Amount | Up to $35 |
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