Credit Union of Texas Share Secured Credit Card
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| Purchase APR (Variable APR) |
11.65% - 17.90% (Verified 02/09/2023) |
| Balance Transfer APR (Variable APR) |
13.65% - 17.90% (Verified 02/09/2023) |
| Credit Score Range | 500 - 850 |
| Annual Fee | $0 |
Credit Union of Texas Share Secured Credit Card Review
This is a secured credit card card issued by Credit Union of Texas. If you're wondering whether Credit Union of Texas Share Secured is the right card for you, read on.
Key Takeaways
- Competitive APRs. Credit Union of Texas Share Secured Credit Card has a variable purchase APR that ranges from 11.65% up to 17.90%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 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.
- 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.
- 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 Credit Union of Texas Share Secured
| The Good | The Bad |
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Credit Union of Texas Share Secured FAQ
Does Credit Union of Texas Share Secured have a cash back or rewards program?
No, it does not offer a rewards program.
What are the relevant APRs for Credit Union of Texas Share Secured?
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 Texas Share Secured Credit Card has a variable purchase APR that ranges from 11.65% up to 17.90%. The card has a variable balance transfer APR that ranges from 13.65% up to 17.90%. It also has a variable cash advance APR that ranges from 13.65% up to 17.90%.
Does Credit Union of Texas Share Secured 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 Texas Share Secured 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 Texas Share Secured?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Credit Union of Texas Share Secured have a foreign transaction fee?
Credit Union of Texas Share Secured 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 $40. 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 Texas Share Secured?
The Credit Union of Texas Share Secured customer service number is (927) 263-9497.
What is the support contact email for Credit Union of Texas Share Secured?
The support contact email for Credit Union of Texas Share Secured is social@cutx.org.
What is the Credit Union of Texas Share Secured login page?
You can access the Credit Union of Texas Share Secured login page here.
How do people rate the customer service and user experience of Credit Union of Texas Share Secured?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
How to apply for Credit Union of Texas Share Secured
- Visit the Credit Union of Texas Share Secured 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
-
8131 Lyndon B Johnson Fwy Aviation Department
Dallas, TX 75251 USA - (927) 263-9497
- Visit Site
- Email Support
About Credit Union of Texas Share Secured Credit Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 2% |
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 2% |
| No Annual Fee | |
| Annual Fee | $0 |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $25 |
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