
Educational Systems Federal Credit Union Credit Card Visa
in Personal Credit Cards from Educational Systems Federal Credit Union
UnaffiliatedEducational Systems Federal Credit Union Credit Card Visa
in Personal Credit Cards from Educational Systems Federal Credit Union
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Purchase APR (Fixed APR) | 9.25 - 16.75 |
Balance Transfer APR (Fixed APR) | 9.25 - 16.75 |
Credit Score Range | 300 - 850 |
Annual Fee | N/A |
Educational Systems Federal Credit Union Credit Card Visa Review
Educational Systems Federal Credit Union Credit Card Visa is a rewards credit card issued by Educational Systems Federal Credit Union. If you're wondering whether Educational Systems Federal Credit Union Credit Card Visa is the right card for you, read on. This is everything you need to know to make a good choice.
- Competitive APRs. Educational Systems Federal Credit Union Credit Card Visa has a fixed purchase APR that ranges from 9.25% up to 16.75%.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase protection, 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 good approval odds.
The Good | The Bad |
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Is there a Educational Systems Federal Credit Union Credit Card Visa cash back or rewards program?
Educational Systems Federal Credit Union Credit Card Visa offers a rewards program to its customers. 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 Systems Federal Credit Union Credit Card Visa have a signup bonus?
Educational Systems Federal Credit Union Credit Card Visa doesn't offer a cash signup bonus.Does Educational Systems Federal Credit Union Credit Card Visa offer an annual loyalty bonus?
Educational Systems Federal Credit Union Credit Card Visa doesn't offer a cash loyalty bonus.What are the Educational Systems Federal Credit Union Credit Card Visa benefits?
Educational Systems Federal Credit Union Credit Card Visa provides the following benefits:
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Educational Systems Federal Credit Union Credit Card 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 Systems Federal Credit Union Credit Card Visa has lower than average purchase APRs.Educational Systems Federal Credit Union Credit Card Visa has a fixed purchase APR that ranges from 9.25% up to 16.75%. The card has a fixed balance transfer APR that ranges from 9.25% up to 16.75%. It also has a fixed cash advance APR that ranges from 9.25% up to 16.75%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Educational Systems Federal Credit Union Credit Card Visa have an introductory APR offer on balance transfers?
No, Educational Systems Federal Credit Union Credit Card Visa does not come with an introductory APR offer for balance transfers.Does Educational Systems Federal Credit Union Credit Card Visa have an introductory APR offer on new purchases?
Educational Systems Federal Credit Union Credit Card Visa does not offer an introductory rate on new purchases.What are the fees for Educational Systems Federal Credit Union Credit Card Visa?
The following fees apply to Educational Systems Federal Credit Union Credit Card Visa:
Fees | Amount |
---|---|
Annual Fee | |
Returned Payment Fee | up to $27.00 |
Late Payment Fee | up to $20.00 |
Does Educational Systems Federal Credit Union Credit Card Visa report your account activity to credit bureaus?
Yes, Educational Systems Federal Credit Union Credit Card 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 Systems Federal Credit Union Credit Card Visa
- Visit the Educational Systems Federal Credit Union Credit Card 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
-
7500 Greenway Center Dr,
Greenbelt, MD 20770 - (301) 779-8500
- Visit Site
About Educational Systems Federal Credit Union Credit Card Visa

Availability
Feature Breakdown
No Annual Fee | |
No Foreign Transaction Fee | |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to 27.00 |
Paper Statement Fee | 7.00 |
Additional Card Fee Amount | 10.00 |
Late Fee Amount | Up to 20.00 |
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