Centris Federal Credit Union Secured Visa® Credit Card Review

Centris Federal Credit Union Secured Visa® Credit Card is a secured credit card credit card issued by Centris Federal Credit Union. If you're wondering whether Centris Federal Credit Union Secured Visa® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.99%
• 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.
• 3% Balance transfer fee. Centris Federal Credit Union Secured Visa® Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% 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 good approval odds.

The Good	The Bad
No annual fee. Identity Theft Protection. Travel assistance insurance Considers applicants with fair or poor credit. Centris Federal Credit Union Secured Visa® Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 3% balance transfer fee.

Is there a Centris Federal Credit Union Secured Visa® Credit Card cash back or rewards program?

No, Centris Federal Credit Union Secured Visa® Credit Card does not offer a rewards program.

What are the Centris Federal Credit Union Secured Visa® Credit Card benefits?

Centris Federal Credit Union Secured Visa® Credit Card provides the following benefits:

• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Centris Federal Credit Union Secured Visa® 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. Centris Federal Credit Union Secured Visa® Credit Card has higher than average purchase APRs.

Centris Federal Credit Union Secured Visa® Credit Card has a variable purchase APR of 25.99%. The card has a variable balance transfer APR of 25.99% . It also has a variable cash advance APR of 25.99% .

What are the fees for Centris Federal Credit Union Secured Visa® Credit Card?

The following fees apply to Centris Federal Credit Union Secured Visa® Credit Card:

• There is no overlimit fee

Centris Federal Credit Union Secured Visa® Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $10
Late Payment Fee	up to $40

Does Centris Federal Credit Union Secured Visa® Credit Card report your account activity to credit bureaus?

Yes, Centris Federal Credit Union Secured 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 Centris Federal Credit Union Secured Visa® Credit Card

• Visit the Centris Federal Credit Union Secured 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.