Community Financial Credit Union of Michigan Platinum Mastercard Review

Community Financial Credit Union of Michigan Platinum Mastercard is a credit card issued by Community Financial Credit Union of Michigan. If you're wondering whether Community Financial Credit Union of Michigan Platinum Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. Community Financial Credit Union 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 good approval odds.

The Good	The Bad
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 or poor credit. No foreign transaction fee. Community Financial Credit Union 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%.

Is there a Community Financial Credit Union of Michigan Platinum Mastercard cash back or rewards program?

No, Community Financial Credit Union of Michigan Platinum Mastercard does not offer a rewards program.

What are the Community Financial Credit Union of Michigan Platinum Mastercard benefits?

Community Financial Credit Union of Michigan Platinum Mastercard provides the following benefits:

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

What are the relevant APRs for Community Financial Credit Union of Michigan Platinum Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Community Financial Credit Union of Michigan Platinum Mastercard has lower than average purchase APRs.

Community Financial Credit Union 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.

What are the fees for Community Financial Credit Union of Michigan Platinum Mastercard?

The following fees apply to Community Financial Credit Union of Michigan Platinum Mastercard:

• An overlimit fee of $35.

Community Financial Credit Union 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 Financial Credit Union of Michigan Platinum Mastercard report your account activity to credit bureaus?

Yes, Community Financial Credit Union 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 Financial Credit Union of Michigan Platinum Mastercard

• Visit the Community Financial Credit Union 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.