Eastman Credit Union Secure Visa

Eastman Credit Union Secure Visa Review

This is a secured credit card card issued by Eastman Credit Union. If you're wondering whether Eastman Credit Union Secure Visa is the right card for you, read on.

Key Takeaways

• Competitive APRs. Eastman Credit Union Secure Visa has a fixed purchase APR that ranges from 10.90% up to 18.00%.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, 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 relatively good approval odds.

Pros & Cons of Eastman Credit Union Secure Visa

The Good	The Bad
Potentially lower than average purchase APRs. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Considers applicants with fair credit. Eastman Credit Union Secure Visa 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.

Eastman Credit Union Secure Visa FAQ

Does Eastman Credit Union Secure 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 Eastman Credit Union Secure Visa benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Eastman Credit Union Secure 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.

Eastman Credit Union Secure Visa has a fixed purchase APR that ranges from 10.90% up to 18.00%. The card has a fixed balance transfer APR that ranges from 10.90% up to 18.00%. It also has a fixed cash advance APR that ranges from 10.90% up to 18.00%.

What are the fees for Eastman Credit Union Secure Visa?

The following fees apply:

Eastman Credit Union Secure Visa Fees

Fees	Amount
Annual Fee
Late Payment Fee	up to $25

Does Eastman Credit Union Secure Visa report your account activity to credit bureaus?

Yes, Eastman Credit Union Secure 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 Eastman Credit Union Secure Visa

• Visit the Eastman Credit Union Secure 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.