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  Educational Community Credit Union Classic Visa

Educational Community Credit Union Classic Visa

in Personal Credit Cards from Educational Community Credit Union

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Educational Community Credit Union Classic Visa

Unaffiliated

in Personal Credit Cards from Educational Community Credit Union

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Highlights
Purchase APR  (Variable APR) 9.40 - 18.90
Balance Transfer APR  (Variable APR) 9.40 - 18.90
Credit Score Range 600 - 850
Annual Fee N/A

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.

Key Takeaways
  • 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.
Educational Community Credit Union Classic Visa Pros & Cons
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.
Educational Community Credit Union Classic Visa FAQ

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

Does Educational Community Credit Union Classic Visa have a signup bonus?

Educational Community Credit Union Classic Visa doesn't offer a cash signup bonus.

Does Educational Community Credit Union Classic Visa offer an annual loyalty bonus?

Educational Community Credit Union Classic Visa doesn't offer a cash loyalty bonus.

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%.

Does Educational Community Credit Union Classic Visa have an introductory APR offer on balance transfers?

No, Educational Community Credit Union Classic Visa does not come with an introductory APR offer for balance transfers.

Does Educational Community Credit Union Classic Visa have an introductory APR offer on new purchases?

Educational Community Credit Union Classic Visa does not offer an introductory rate on new purchases.

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 have a foreign transaction fee?

Educational Community Credit Union Classic Visa charges a foreign transaction fee of 1.00%. 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 a foreign transaction fee.

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.

View Educational Community Credit Union Classic Visa's published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:30am - 5:30pm
  • Tuesday 7:30am - 5:30pm
  • Wednesday 7:30am - 5:30pm
  • Thursday 7:30am - 5:30pm
  • Friday 7:30am - 6:00pm
  • Saturday Closed

About Educational Community Credit Union Classic Visa

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View all personal credit cards offered by Educational Community Credit Union

Availability

  Available in 1 state
Missouri
Availabile in all of Missouri

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.00
Returned Payment Fee Starting at 25.00
Paper Statement Fee 2.00
Additional Card Fee Amount 50.00
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
Rewards Categories
  • Select Merchants
Cash Advance APR (Variable APR) 9.40 - 18.90
Balance Computation We use a method called "average daily balance (including new purchases)".
Purchase APR (Variable APR) 9.40 - 18.90
Balance Transfer APR (Variable APR) 9.40 - 18.90
Card Type
  • Rewards
Card Network Visa

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