Educational Community Credit Union Platinum Visa Review

Educational Community Credit Union Platinum Visa is a rewards credit card issued by Educational Community Credit Union. If you're wondering whether Educational Community Credit Union Platinum 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 Platinum Visa has a variable purchase APR that ranges from 9.40% up to 10.90%.
• 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 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 purchases everywhere Educational Community Credit Union Platinum Visa is accepted. Educational Community Credit Union Platinum Visa reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a foreign transaction fee of 1.00%.

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

Educational Community Credit Union Platinum Visa offers a rewards program to its customers.

Educational Community Credit Union Platinum 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 Platinum Visa benefits?

Educational Community Credit Union Platinum Visa provides the following benefits:

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

What are the relevant APRs for Educational Community Credit Union Platinum 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 Platinum Visa has lower than average purchase APRs.

Educational Community Credit Union Platinum Visa has a variable purchase APR that ranges from 9.40% up to 10.90%. The card has a variable balance transfer APR that ranges from 9.40% up to 10.90%. It also has a variable cash advance APR that ranges from 9.40% up to 10.90%.

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

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

Educational Community Credit Union Platinum Visa Fees

Fees	Amount
Annual Fee
Foreign Transaction Fee	1.00%
Returned Payment Fee	up to $25.00
Late Payment Fee	up to $15.00

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

Yes, Educational Community Credit Union Platinum 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 Platinum Visa

• Visit the Educational Community Credit Union Platinum 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.