Credit Union of Southern California Topaz Visa
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| Purchase APR (Variable APR) | 6.9% - 13.9% |
| Balance Transfer APR (Variable APR) | 6.9% - 13.9% |
| Credit Score Range | 700 - 850 |
| Annual Fee | N/A |
Credit Union of Southern California Topaz Visa Review
This is a secured credit card card issued by Credit Union of Southern California. If you're wondering whether Credit Union of Southern California Topaz Visa is the right card for you, read on.
Key Takeaways
- Competitive APRs. Credit Union of Southern California Topaz Visa has a variable purchase APR that ranges from 6.9% up to 13.9%.
- 2.00% Balance transfer fee. Credit Union of Southern California Topaz Visa charges a fee of 2.00% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees.
- 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.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Credit Union of Southern California Topaz Visa
| The Good | The Bad |
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Credit Union of Southern California Topaz Visa FAQ
Does Credit Union of Southern California Topaz Visa have a cash back or rewards program?
No, it does not offer a rewards program. This card features rewards for purchases in the following categories:
What are the Credit Union of Southern California Topaz Visa benefits?
It provides the following benefits:
- Emergency Support
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Credit Union of Southern California Topaz Visa?
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.Credit Union of Southern California Topaz Visa has a variable purchase APR that ranges from 6.9% up to 13.9%. The card has a variable balance transfer APR that ranges from 6.9% up to 13.9%. It also has a variable cash advance APR that ranges from 6.9% up to 13.9%. Note that late payments are subject to an APR of 19.9% 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 Credit Union of Southern California Topaz Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Credit Union of Southern California Topaz Visa 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 Credit Union of Southern California Topaz Visa?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $10 |
Does Credit Union of Southern California Topaz Visa have a foreign transaction fee?
Credit Union of Southern California Topaz Visa 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 Credit Union of Southern California Topaz Visa?
The Credit Union of Southern California Topaz Visa customer service number is (562) 945-2214.
What is the support contact email for Credit Union of Southern California Topaz Visa?
The support contact email for Credit Union of Southern California Topaz Visa is support@cusocal.org.
What is the Credit Union of Southern California Topaz Visa login page?
You can access the Credit Union of Southern California Topaz Visa login page here.
How do people rate the customer service and user experience of Credit Union of Southern California Topaz Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Credit Union of Southern California Topaz Visa report your account activity to credit bureaus?
Yes, Credit Union of Southern California Topaz Visa 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 Credit Union of Southern California Topaz Visa
- Visit the Credit Union of Southern California Topaz Visa 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.
Contact
- Headquarters
-
11749 Whittier Blvd.
wHITTIER, CA 90601 USA - (562) 945-2214
- Visit Site
- Email Support
About Credit Union of Southern California Topaz Visa
Availability
Feature Breakdown
| Cash Advance Fee (%) | Starting at 2% |
| Foreign Currency Transaction Fee | 1% |
| Minimum Interest Charge | $0.50 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $10 |
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