CSE Credit Union Visa Platinum Credit Card

CSE Credit Union Visa Platinum Credit Card Review

This is a card issued by Connecticut State Employees Credit Union. If you're wondering whether CSE Credit Union Visa Platinum Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. CSE Credit Union Visa Platinum Credit Card has a fixed purchase APR of 12.40%
• 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.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.

Pros & Cons of CSE Credit Union Visa Platinum Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Identity Theft Protection. No foreign transaction fee. CSE Credit Union Visa Platinum Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

CSE Credit Union Visa Platinum Credit Card FAQ

Does CSE Credit Union Visa Platinum Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the CSE Credit Union Visa Platinum Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for CSE Credit Union Visa Platinum 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. This card has lower than average regular APRs.

CSE Credit Union Visa Platinum Credit Card has a fixed purchase APR of 12.40%. The card has a fixed balance transfer APR of 12.40% . It also has a fixed cash advance APR of 12.40% .

What are the fees for CSE Credit Union Visa Platinum Credit Card?

The following fees apply:

CSE Credit Union Visa Platinum Credit Card Fees

Description
Cash Advance Fee (%)	2.00%
Foreign Currency Transaction Fee	0%
No Annual Fee?
No Foreign Transaction Fee?
Annual Fee	$0.00
No Interest Grace Period for Late Payment	25 days
Returned Payment Fee	Up to $10.00
Paper Statement Fee	$2.00
Late Fee Amount	Up to $10.00

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does CSE Credit Union Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, CSE Credit Union Visa Platinum 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 CSE Credit Union Visa Platinum Credit Card

• Visit the CSE Credit Union Visa Platinum 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.