Fort Worth Community CU Mastercard Platinum Share Secured Review

Fort Worth Community CU Mastercard Platinum Share Secured is a secured credit card credit card issued by Fort Worth Community CU. If you're wondering whether Fort Worth Community CU Mastercard Platinum Share Secured is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. Fort Worth Community CU Mastercard Platinum Share Secured has a fixed purchase APR of 9.9%
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% 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.
• 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
Lower than average purchase APRs. No annual fee. Considers applicants with fair or poor credit. Fort Worth Community CU Mastercard Platinum Share Secured reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase. Does not include many credit card benefits.

Is there a Fort Worth Community CU Mastercard Platinum Share Secured cash back or rewards program?

No, Fort Worth Community CU Mastercard Platinum Share Secured does not offer a rewards program.

What are the Fort Worth Community CU Mastercard Platinum Share Secured benefits?

Fort Worth Community CU Mastercard Platinum Share Secured provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Fort Worth Community CU Mastercard Platinum Share Secured?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Fort Worth Community CU Mastercard Platinum Share Secured has lower than average purchase APRs.

Fort Worth Community CU Mastercard Platinum Share Secured has a fixed purchase APR of 9.9%. The card has a fixed balance transfer APR of 9.9% . It also has a fixed cash advance APR of 9.9% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Fort Worth Community CU Mastercard Platinum Share Secured?

The following fees apply to Fort Worth Community CU Mastercard Platinum Share Secured:

Fort Worth Community CU Mastercard Platinum Share Secured Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

Does Fort Worth Community CU Mastercard Platinum Share Secured report your account activity to credit bureaus?

Yes, Fort Worth Community CU Mastercard Platinum Share Secured 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 Fort Worth Community CU Mastercard Platinum Share Secured

• Visit the Fort Worth Community CU Mastercard Platinum Share Secured 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.