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  Community FCU of Michigan Platinum Mastercard
Community FCU of Michigan Platinum Mastercard Unaffiliated

Community FCU of Michigan Platinum Mastercard

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Highlights
Purchase APR  (Fixed APR) 8.99% - 18%
Balance Transfer APR  (Fixed APR) 8.99% - 18%
Credit Score Range 500 - 800
Annual Fee N/A

Community FCU of Michigan Platinum Mastercard Review

This is a credit card issued by Community Financial Credit Union of Michigan. If you're wondering whether Community FCU of Michigan Platinum Mastercard 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. Community FCU of Michigan Platinum Mastercard has a fixed purchase APR that ranges from 8.99% up to 18%.
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • 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 Community FCU of Michigan Platinum Mastercard

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Multiple credit card perks.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • Community FCU of Michigan Platinum Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of .2%.

Community FCU of Michigan Platinum Mastercard FAQ

Does Community FCU of Michigan Platinum Mastercard have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Community FCU of Michigan Platinum Mastercard benefits?

It provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Accident Insurance
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Community FCU of Michigan Platinum Mastercard?

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.

Community FCU of Michigan Platinum Mastercard has a fixed purchase APR that ranges from 8.99% up to 18%. The card has a fixed balance transfer APR that ranges from 8.99% up to 18%. It also has a fixed cash advance APR that ranges from 8.99% up to 18%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Community FCU of Michigan Platinum Mastercard have an intro APR offer on balance transfers?

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

Does Community FCU of Michigan Platinum Mastercard 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 Community FCU of Michigan Platinum Mastercard?

The following fees apply:

  • An overlimit fee of $35.
Community FCU of Michigan Platinum Mastercard Fees
Fees Amount
Annual Fee
Overlimit Fee $35
Foreign Transaction Fee .2%
Returned Payment Fee up to $12
Late Payment Fee up to $35

Does Community FCU of Michigan Platinum Mastercard have a foreign transaction fee?

Community FCU of Michigan Platinum Mastercard 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 $4. 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 Community FCU of Michigan Platinum Mastercard?

The Community FCU of Michigan Platinum Mastercard customer service number is (877) 937-2328.

What is the support contact email for Community FCU of Michigan Platinum Mastercard?

The support contact email for Community FCU of Michigan Platinum Mastercard is cumail@cfcu.org.

What is the Community FCU of Michigan Platinum Mastercard login page?

You can access the Community FCU of Michigan Platinum Mastercard login page here.

How do people rate the customer service and user experience of Community FCU of Michigan Platinum Mastercard?

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

Does Community FCU of Michigan Platinum Mastercard report your account activity to credit bureaus?

Yes, Community FCU of Michigan Platinum Mastercard 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 Community FCU of Michigan Platinum Mastercard

  • Visit the Community FCU of Michigan Platinum Mastercard 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.

View Community FCU of Michigan Platinum Mastercard's published terms & conditions.
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 - 8:00pm
  • Tuesday 8:00am - 8:00pm
  • Wednesday 8:00am - 8:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 8:00pm
  • Saturday 8:00am - 1:00pm

Other Services by Community Financial Credit Union of Michigan

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View all credit cards offered by Community Financial Credit Union of Michigan

Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

Foreign Currency Transaction Fee 0.2%
No Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 28 days
Over-Limit Fee $35
Returned Payment Fee Up to $12
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 800
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Rewards Categories
  • Travel
  • Every Purchase
  • Entertainment
  • Online
  • Select Merchants
Cash Advance APR (Fixed APR) 8.99% - 18%
Balance Computation We will use a method called “average daily balance (including new purchases).”
Penalty APR (Fixed APR) 18%
Purchase APR (Fixed APR) 8.99% - 18%
Balance Transfer APR (Fixed APR) 8.99% - 18%

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