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  Cooperative Extension Service FCU Visa Credit Card

Cooperative Extension Service FCU Visa Credit Card

in Personal Credit Cards from Cooperative Extension Service FCU

Unaffiliated

Cooperative Extension Service FCU Visa Credit Card

Unaffiliated

in Personal Credit Cards from Cooperative Extension Service FCU

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Highlights
Purchase APR  (Variable APR) 6% - 11.5%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 800
Annual Fee N/A

Cooperative Extension Service FCU Visa Credit Card Review

Cooperative Extension Service FCU Visa Credit Card is a credit card issued by Cooperative Extension Service FCU. If you're wondering whether Cooperative Extension Service FCU Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Cooperative Extension Service FCU Visa Credit Card has a variable purchase APR that ranges from 6% up to 11.5%.
  • 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.
  • 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.
Cooperative Extension Service FCU Visa Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Considers applicants with fair or poor credit.
  • Cooperative Extension Service FCU 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.
Cooperative Extension Service FCU Visa Credit Card FAQ

Is there a Cooperative Extension Service FCU Visa Credit Card cash back or rewards program?

No, Cooperative Extension Service FCU Visa Credit Card does not offer a rewards program.

What are the Cooperative Extension Service FCU Visa Credit Card benefits?

Cooperative Extension Service FCU Visa Credit Card provides the following benefits:

  • Emergency Support
  • Reports to major credit bureaus

What are the relevant APRs for Cooperative Extension Service FCU 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. Cooperative Extension Service FCU Visa Credit Card has lower than average purchase APRs.

Cooperative Extension Service FCU Visa Credit Card has a variable purchase APR that ranges from 6% up to 11.5%. It also has a variable cash advance APR that ranges from 6% up to 11.5%.

Does Cooperative Extension Service FCU Visa Credit Card have an introductory APR offer on balance transfers?

No, Cooperative Extension Service FCU Visa Credit Card does not come with an introductory APR offer for balance transfers.

Does Cooperative Extension Service FCU Visa Credit Card have an introductory APR offer on new purchases?

Cooperative Extension Service FCU Visa Credit Card does not offer an introductory rate on new purchases.

What are the fees for Cooperative Extension Service FCU Visa Credit Card?

The following fees apply to Cooperative Extension Service FCU Visa Credit Card:

Cooperative Extension Service FCU Visa Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does Cooperative Extension Service FCU Visa Credit Card have a foreign transaction fee?

Cooperative Extension Service FCU 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 a foreign transaction fee.

Does Cooperative Extension Service FCU Visa Credit Card report your account activity to credit bureaus?

Yes, Cooperative Extension Service FCU 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 Cooperative Extension Service FCU Visa Credit Card

  • Visit the Cooperative Extension Service FCU 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.

View Cooperative Extension Service FCU Visa 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 - 4:00pm
  • Tuesday 8:00am - 4:00pm
  • Wednesday 8:00am - 4:00pm
  • Thursday 8:00am - 4:00pm
  • Friday 8:00am - 4:00pm
  • Saturday Closed

About Cooperative Extension Service FCU Visa Credit Card

Availability

  Available in 1 state
Arkansas
Availabile in all of Arkansas

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Additional Card Fee Amount $15
Late Fee Amount Up to $25
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
  • U.S. Temporary Resident Visa Holders
Credit Score Range 300 - 800
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Purchase Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) 6% - 11.5%
Balance Computation We use a method called “Average Daily Balance (including new purchases)”.
Purchase APR (Variable APR) 6% - 11.5%
Card Type
  • Low Interest
Card Network Visa

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