Excite Credit Union Visa Secured Visa
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| Purchase APR (Variable APR) | Starting at 14.74 |
| Balance Transfer APR (Variable APR) | Starting at 16.75 |
| Credit Score Range | 700 - 850 |
| Annual Fee | N/A |
Excite Credit Union Visa Secured Visa Review
This is a secured credit card credit card issued by Excite Credit Union. If you're wondering whether Excite Credit Union Visa Secured Visa is the right card for you, read on.
Key Takeaways
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3.00% 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, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Excite Credit Union Visa Secured Visa
| The Good | The Bad |
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Excite Credit Union Visa Secured Visa FAQ
Does Excite Credit Union Visa Secured Visa have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Excite Credit Union Visa Secured Visa benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Excite Credit Union Visa Secured 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. This card has lower than average regular APRs.Excite Credit Union Visa Secured Visa has a variable purchase APR starting at 14.74% . The card has a variable balance transfer APR starting at 16.75% . It also has a variable cash advance APR starting at 16.74% . Note that late payments are subject to an APR of 17.49% 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 Excite Credit Union Visa Secured Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Excite Credit Union Visa Secured 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 Excite Credit Union Visa Secured Visa?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | |
| Foreign Transaction Fee | 3.00% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $10 |
Does Excite Credit Union Visa Secured Visa have a foreign transaction fee?
Excite Credit Union Visa Secured Visa charges a foreign transaction fee of 3.00%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Excite Credit Union Visa Secured Visa?
The Excite Credit Union Visa Secured Visa customer service number is (800) 232-8669.
What is the support contact email for Excite Credit Union Visa Secured Visa?
The support contact email for Excite Credit Union Visa Secured Visa is service@excitecu.org.
What is the Excite Credit Union Visa Secured Visa login page?
You can access the Excite Credit Union Visa Secured Visa login page here.
How do people rate the customer service and user experience of Excite Credit Union Visa Secured Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Excite Credit Union Visa Secured Visa report your account activity to credit bureaus?
Yes, Excite Credit Union Visa Secured 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 Excite Credit Union Visa Secured Visa
- Visit the Excite Credit Union Visa Secured 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
-
265 Curtner Ave.
San Jose,, CA 95125 USA - (800) 232-8669
- Visit Site
- Email Support
Other Services by Excite Credit Union
Availability
Feature Breakdown
| Cash Advance Fee (%) | Starting at 4 |
| Foreign Currency Transaction Fee | 3.00 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to 25 |
| Late Fee Amount | Up to 10 |
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