F&M Bank Secured Card
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| Purchase APR (Variable APR) |
26.99% (Verified 09/24/2022) |
| Balance Transfer APR (Variable APR) |
26.99% (Verified 09/24/2022) |
| Credit Score Range | Starting at 670 |
| Annual Fee | $0 |
F&M Bank Secured Card Review
This is a secured credit card card issued by F&M Bank. If you're wondering whether F&M Bank Secured Card 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 variable purchase APR of 26.99%
- 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 2% 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.
- Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of F&M Bank Secured Card
| The Good | The Bad |
|---|---|
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F&M Bank Secured Card FAQ
Does F&M Bank Secured Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the F&M Bank Secured Card benefits?
It provides the following benefits:
- Zero fraud liability
What are the relevant APRs for F&M Bank Secured 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 higher than average regular APRs.F&M Bank Secured Card has a variable purchase APR of 26.99%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 28.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does F&M Bank Secured Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does F&M Bank Secured 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 F&M Bank Secured Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $41 |
| Late Payment Fee | up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does F&M Bank Secured Card have a foreign transaction fee?
F&M Bank Secured 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 foreign transaction fees.What is the customer service phone number for F&M Bank Secured Card?
The F&M Bank Secured Card customer service number is .
What is the support contact email for F&M Bank Secured Card?
The support contact email for F&M Bank Secured Card is rcs@fmb.com.
What is the F&M Bank Secured Card login page?
You can access the F&M Bank Secured Card login page here.
How do people rate the customer service and user experience of F&M Bank Secured Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
How to apply for F&M Bank Secured Card
- Visit the F&M Bank Secured 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
-
302 Pine Ave
Long Beach, CA 90802 USA - Visit Site
- Email Support
Other Services by F&M Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 5% |
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 2% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $1 |
| No Interest Grace Period for Late Payment | 24 days |
| Returned Payment Fee | Up to $41 |
| Late Fee Amount | Up to $41 |
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