Educational Community Credit Union Classic Visa
in Personal Credit Cards from Educational Community Credit Union
UnaffiliatedEducational Community Credit Union Classic Visa
in Personal Credit Cards from Educational Community Credit Union
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| 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
This 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 review will provide you with with all the details you need 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 odds if your credit score is above 600.
| The Good | The Bad |
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Does Educational Community Credit Union Classic Visa have a cash back or rewards program?
Educational Community Credit Union Classic Visa is a rewards card. This card features rewards for purchases in the following categories:
| 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?
This card doesn't offer a cash signup bonus.Does Educational Community Credit Union Classic Visa offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Educational Community Credit Union Classic Visa benefits?
It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It 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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Educational Community Credit Union Classic Visa 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 Educational Community Credit Union Classic Visa?
The following fees apply:
| 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 foreign transaction fees.What is the customer service phone number for Educational Community Credit Union Classic Visa?
The Educational Community Credit Union Classic Visa customer service number is (417) 485-3661.
What is the support contact email for Educational Community Credit Union Classic Visa?
The support contact email for Educational Community Credit Union Classic Visa is financialser@educationalccu.org.
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.
Contact
- Headquarters
-
1221 Grand St
Springfield, MO 65804 - (417) 485-3661
- Visit Site
- Email Support
About Educational Community Credit Union Classic Visa
Availability
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 |
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