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  Community Financial Credit Union of Michigan World Mastercard Credit Card

Community Financial Credit Union of Michigan World Mastercard Credit Card

in Personal Credit Cards from Community Financial Credit Union of Michigan

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Community Financial Credit Union of Michigan World Mastercard Credit Card

Unaffiliated

in Personal Credit Cards from Community Financial Credit Union of Michigan

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Highlights
Purchase APR  (Fixed APR) 8.99% - 18%
Balance Transfer APR  (Fixed APR) 8% - 18%
Credit Score Range 500 - 800
Annual Fee N/A

Community Financial Credit Union of Michigan World Mastercard Credit Card Review

This is a cashback credit card issued by Community Financial Credit Union of Michigan. If you're wondering whether Community Financial Credit Union of Michigan World Mastercard 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. Community Financial Credit Union of Michigan World Mastercard Credit Card has a fixed purchase APR that ranges from 8.99% up to 18%.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, identity theft protection, price 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.
Pros & Cons of Community Financial Credit Union of Michigan World Mastercard Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Community Financial Credit Union of Michigan World Mastercard Credit Card is accepted.
  • Community Financial Credit Union of Michigan World Mastercard Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
Community Financial Credit Union of Michigan World Mastercard Credit Card FAQ

Does Community Financial Credit Union of Michigan World Mastercard Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Community Financial Credit Union of Michigan World Mastercard Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Community Financial Credit Union of Michigan World Mastercard Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Community Financial Credit Union of Michigan World Mastercard Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Community Financial Credit Union of Michigan World Mastercard 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 8.99% up to 18%. The card has a fixed balance transfer APR that ranges from 8% 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 Financial Credit Union of Michigan World Mastercard Credit Card have an intro APR offer on balance transfers?

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

Does Community Financial Credit Union of Michigan World Mastercard 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 Community Financial Credit Union of Michigan World Mastercard Credit Card?

The following fees apply:

  • An overlimit fee of $35.
Community Financial Credit Union of Michigan World Mastercard Credit Card Fees
Fees Amount
Annual Fee
Overlimit Fee $35
Returned Payment Fee up to $12
Late Payment Fee up to $35

What is the customer service phone number for Community Financial Credit Union of Michigan World Mastercard Credit Card?

The Community Financial Credit Union of Michigan World Mastercard Credit Card customer service number is (877) 937-2328.

Does Community Financial Credit Union of Michigan World Mastercard Credit Card report your account activity to credit bureaus?

Yes, Community Financial Credit Union of Michigan World Mastercard 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 Community Financial Credit Union of Michigan World Mastercard Credit Card

  • Visit the Community Financial Credit Union of Michigan World Mastercard 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.

View Community Financial Credit Union of Michigan World Mastercard Credit Card'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 personal credit cards offered by Community Financial Credit Union of Michigan

Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

Every Purchase (Points) Starting at 1.5
Every Purchase (Points) Earn 5x rewards on all your dining purchases* with your Community Financial World Mastercard® through March 31, 2021.
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
Supported Income Types
  • Payroll Check or Prepaid Card
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
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Entertainment
  • Every Purchase
  • Travel
  • Restaurants
  • Groceries
  • Gas
  • Online
  • In-Store Eligible Purchases
  • 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% - 18%
Card Type
  • Rewards
  • Cashback
  • Travel
  • Bonus Offers
Card Network Mastercard

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