
Educational Systems Federal Credit Union Gold Visa
in Personal Credit Cards from Educational Systems Federal Credit Union
UnaffiliatedEducational Systems Federal Credit Union Gold Visa
in Personal Credit Cards from Educational Systems Federal Credit Union
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Purchase APR (Variable APR) | 12.90 - 17.90 |
Balance Transfer APR (Variable APR) | 12.90 - 17.90 |
Credit Score Range | 300 - 850 |
Annual Fee | Starting at 35.00 |
Educational Systems Federal Credit Union Gold Visa Review
This is a rewards credit card issued by Educational Systems Federal Credit Union. If you're wondering whether Educational Systems Federal Credit Union Gold 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 Systems Federal Credit Union Gold Visa has a variable purchase APR that ranges from 12.90% up to 17.90%.
- 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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Does Educational Systems Federal Credit Union Gold Visa have a cash back or rewards program?
Educational Systems Federal Credit Union Gold Visa is a rewards card.
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Does Educational Systems Federal Credit Union Gold Visa have a signup bonus?
This card doesn't offer a cash signup bonus.Does Educational Systems Federal Credit Union Gold Visa offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Educational Systems Federal Credit Union Gold Visa benefits?
It 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 Gold 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 12.90% up to 17.90%. The card has a variable balance transfer APR that ranges from 12.90% up to 17.90%. It also has a variable cash advance APR that ranges from 12.90% up to 17.90%. 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 Gold Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Educational Systems Federal Credit Union Gold 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 Systems Federal Credit Union Gold Visa?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | N/A |
Returned Payment Fee | up to $27.00 |
Late Payment Fee | up to $20.00 |
What is the customer service phone number for Educational Systems Federal Credit Union Gold Visa?
The Educational Systems Federal Credit Union Gold Visa customer service number is (301) 779-8500.
Does Educational Systems Federal Credit Union Gold Visa report your account activity to credit bureaus?
Yes, Educational Systems Federal Credit Union Gold 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 Gold Visa
- Visit the Educational Systems Federal Credit Union Gold 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 Gold Visa

Availability
Feature Breakdown
No Foreign Transaction Fee | |
No Interest Grace Period for Late Payment | 25 days |
Annual Fee | Starting at 35.00 |
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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