Exchange Bank Secured Visa® Card
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| Purchase APR (Variable APR) | 20.99% |
| Balance Transfer APR (Variable APR) | 20.99% |
| Credit Score Range | 300 - 600 |
| Annual Fee | $35 |
Exchange Bank Secured Visa® Card Review
This is a secured credit card credit card issued by Exchange Bank of Milledgeville. If you're wondering whether Exchange Bank Secured Visa® Card 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.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 20.99%
- 3% Balance transfer fee. Exchange Bank Secured Visa® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, 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 relatively good approval odds.
| The Good | The Bad |
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Does Exchange Bank Secured Visa® Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Exchange Bank Secured Visa® Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Exchange Bank Secured Visa® Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Exchange Bank Secured Visa® Card has a variable purchase APR of 20.99%. The card has a variable balance transfer APR of 20.99% . It also has a variable cash advance APR of 23.99% .
Does Exchange Bank Secured Visa® Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Exchange Bank Secured Visa® Card 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 Exchange Bank Secured Visa® Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $35 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $40 |
Does Exchange Bank Secured Visa® Card have a foreign transaction fee?
Exchange Bank Secured Visa® Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 support contact email for Exchange Bank Secured Visa® Card?
The support contact email for Exchange Bank Secured Visa® Card is servicing@exch.bank.
How do people rate the customer service and user experience of Exchange Bank Secured Visa® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Exchange Bank Secured Visa® Card report your account activity to credit bureaus?
Yes, Exchange Bank Secured Visa® Card 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 Exchange Bank Secured Visa® Card
- Visit the Exchange Bank Secured Visa® Card 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
-
250 W. Hancock Street
Milledgeville, GA 31061 - Visit Site
- Email Support
Other Services by Exchange Bank of Milledgeville
Availability
Feature Breakdown
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 24 days |
| Additional Card Fee Amount | $0 |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 4% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 2% |
| Annual Fee | $35 |
| Minimum Interest Charge | $2 |
| Returned Payment Fee | Up to $35 |
| Late Fee Amount | Up to $40 |
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