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  Colorado Credit Union Secured Classic Visa credit card

Colorado Credit Union Secured Classic Visa credit card

in Personal Credit Cards from Colorado Credit Union

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Colorado Credit Union Secured Classic Visa credit card

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in Personal Credit Cards from Colorado Credit Union

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Highlights
Purchase APR  (Fixed APR) 10.95% - 21.00%
Balance Transfer APR  (Fixed APR) 10.95% - 21.00%
Credit Score Range 300 - 550
Annual Fee $0

Colorado Credit Union Secured Classic Visa credit card Review

This is a secured credit card credit card issued by Colorado Credit Union. If you're wondering whether Colorado Credit Union Secured Classic 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. Colorado Credit Union Secured Classic Visa credit card has a fixed purchase APR that ranges from 10.95% up to 21.00%.
  • 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 1% 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.
Pros & Cons of Colorado Credit Union Secured Classic Visa credit card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Colorado Credit Union Secured Classic Visa credit card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Colorado Credit Union Secured Classic Visa credit card FAQ

Does Colorado Credit Union Secured Classic Visa credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Colorado Credit Union Secured Classic Visa credit card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Colorado Credit Union Secured Classic 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. It has lower than average regular APRs.

It has a fixed purchase APR that ranges from 10.95% up to 21.00%. The card has a fixed balance transfer APR that ranges from 10.95% up to 21.00%. It also has a fixed cash advance APR that ranges from 10.95% up to 21.00%.

Does Colorado Credit Union Secured Classic 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 Colorado Credit Union Secured Classic 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 Colorado Credit Union Secured Classic Visa credit card?

The following fees apply:

Colorado Credit Union Secured Classic Visa credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Late Payment Fee up to $30

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

Does Colorado Credit Union Secured Classic Visa credit card have a foreign transaction fee?

Colorado Credit Union Secured Classic Visa credit card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 Colorado Credit Union Secured Classic Visa credit card?

The Colorado Credit Union Secured Classic Visa credit card customer service number is (800) 828-2274.

Does Colorado Credit Union Secured Classic Visa credit card report your account activity to credit bureaus?

Yes, Colorado Credit Union Secured Classic 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 Colorado Credit Union Secured Classic Visa credit card

  • Visit the Colorado Credit Union Secured Classic 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 - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 6:00pm
  • Saturday Closed

About Colorado Credit Union Secured Classic Visa credit card

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View all personal credit cards offered by Colorado Credit Union

Availability

  Available in 1 state
Colorado
Availabile in all of Colorado

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $25.00
Minimum Cash Advance Fee ($) $25
Foreign Currency Transaction Fee 1%
Late Fee Amount Up to $30
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 550
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 10.95% - 21.00%
Balance Computation average daily balance (including new purchases).
Purchase APR (Fixed APR) 10.95% - 21.00%
Balance Transfer APR (Fixed APR) 10.95% - 21.00%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Secured
  • Balance Transfer
Card Network Visa

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