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  Baton Rouge Telco Federal CU Visa Credit Card
Baton Rouge Telco Federal CU Visa Credit Card Unaffiliated

Baton Rouge Telco Federal CU Visa Credit Card

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Highlights
Purchase APR 7.9%
Balance Transfer APR N/A
Credit Score Range 500 - 850
Annual Fee $0

Baton Rouge Telco Federal CU Visa Credit Card Review

This is a credit card issued by Baton Rouge Telco Federal Credit Union. If you're wondering whether Baton Rouge Telco Federal CU Visa 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. Baton Rouge Telco Federal CU Visa Credit Card has a variable purchase APR of 7.9%
  • 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.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • 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 Baton Rouge Telco Federal CU Visa Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • Baton Rouge Telco Federal CU Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Baton Rouge Telco Federal CU Visa Credit Card FAQ

Does Baton Rouge Telco Federal CU Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Baton Rouge Telco Federal CU Visa Credit Card benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Baton Rouge Telco Federal CU Visa 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.

Baton Rouge Telco Federal CU Visa Credit Card has a variable purchase APR of 7.9%. It also has a variable cash advance APR of 7.9% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Baton Rouge Telco Federal CU Visa Credit Card have an intro APR offer on balance transfers?

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

Does Baton Rouge Telco Federal CU Visa 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 Baton Rouge Telco Federal CU Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
Baton Rouge Telco Federal CU Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $27
Late Payment Fee $20

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

Does Baton Rouge Telco Federal CU Visa Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the support contact email for Baton Rouge Telco Federal CU Visa Credit Card?

The support contact email for Baton Rouge Telco Federal CU Visa Credit Card is general@brtelco.org.

What is the Baton Rouge Telco Federal CU Visa Credit Card login page?

You can access the Baton Rouge Telco Federal CU Visa Credit Card login page here.

How do people rate the customer service and user experience of Baton Rouge Telco Federal CU Visa Credit Card?

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

Does Baton Rouge Telco Federal CU Visa Credit Card report your account activity to credit bureaus?

Yes, Baton Rouge Telco Federal CU Visa 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 Baton Rouge Telco Federal CU Visa Credit Card

  • Visit the Baton Rouge Telco Federal CU Visa 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 - 4:30pm
  • Tuesday 8:00am - 4:30pm
  • Wednesday 8:00am - 4:30pm
  • Thursday 8:00am - 4:30pm
  • Friday 8:00am - 4:30pm
  • Saturday Closed

About Baton Rouge Telco Federal CU Visa Credit Card

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View all credit cards offered by Baton Rouge Telco 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

Foreign Currency Transaction Fee 0%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 2%
Minimum Cash Advance Fee ($) $10
Returned Payment Fee $27
Paper Statement Fee $5
Late Fee Amount $20
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 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Cash Advance APR 7.9%
Balance Computation Average daily balance (including new purchases)
Credit Limit Starting at $500
Penalty APR 0%
Purchase APR 7.9%
Balance Transfer Fee Minimum $0
Card Type
  • Low Interest
  • Bad Credit
Card Network Visa

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Baton Rouge Telco Federal Credit Union Credit Cards

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