Educational Community Credit Union Classic Visa Review

Educational Community Credit Union Classic Visa is a rewards credit card issued by Educational Community Credit Union. If you're wondering whether Educational Community Credit Union Classic Visa is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. Educational Community Credit Union Classic Visa has a variable purchase APR that ranges from 9.40% up to 18.90%.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.00% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

The Good	The Bad
Lower than average purchase APRs. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Considers applicants with fair or poor credit. Cardholders can earn rewards on their purchases. Educational Community Credit Union Classic Visa reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a foreign transaction fee of 1.00%. You don't earn rewards on every purchase.

Is there a Educational Community Credit Union Classic Visa cash back or rewards program?

Educational Community Credit Union Classic Visa offers a rewards program to its customers. This card features rewards for purchases in the following categories:

Educational Community Credit Union Classic Visa Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Educational Community Credit Union Classic Visa benefits?

Educational Community Credit Union Classic Visa provides the following benefits:

• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Educational Community Credit Union Classic Visa?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Educational Community Credit Union Classic Visa has lower than average purchase APRs.

Educational Community Credit Union Classic Visa has a variable purchase APR that ranges from 9.40% up to 18.90%. The card has a variable balance transfer APR that ranges from 9.40% up to 18.90%. It also has a variable cash advance APR that ranges from 9.40% up to 18.90%.

What are the fees for Educational Community Credit Union Classic Visa?

The following fees apply to Educational Community Credit Union Classic Visa:

Educational Community Credit Union Classic Visa Fees

Fees	Amount
Annual Fee
Foreign Transaction Fee	1.00%

Does Educational Community Credit Union Classic Visa report your account activity to credit bureaus?

Yes, Educational Community Credit Union Classic 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 Educational Community Credit Union Classic Visa

• Visit the Educational Community Credit Union Classic 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.