Baton Rouge Telco Federal CU Visa Credit Card

Baton Rouge Telco Federal CU Visa Credit Card Review

This is a 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.

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. Identity Theft Protection. 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:

• Zero fraud liability
• 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.

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 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:

• 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 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.