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UnaffiliatedGenerations FCU Visa Platinum Share Secured
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| Purchase APR (Variable APR) | 11% |
| Balance Transfer APR (Variable APR) | 11% |
| Credit Score Range | 500 - 850 |
| Annual Fee | $0 |
Generations FCU Visa Platinum Share Secured Review
This is a secured credit card credit card issued by Generations FCU. If you're wondering whether Generations FCU Visa Platinum Share Secured 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. Generations FCU Visa Platinum Share Secured has a variable purchase APR of 11%
- 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 relatively good approval odds.
| The Good | The Bad |
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Does Generations FCU Visa Platinum Share Secured have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Generations FCU Visa Platinum Share Secured benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Generations FCU Visa Platinum Share Secured?
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.Generations FCU Visa Platinum Share Secured has a variable purchase APR of 11%. The card has a variable balance transfer APR of 11% . It also has a variable cash advance APR of 11% . 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 Generations FCU Visa Platinum Share Secured have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Generations FCU Visa Platinum Share Secured 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 Generations FCU Visa Platinum Share Secured?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $28 |
| Late Payment Fee | up to $28 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Generations FCU Visa Platinum Share Secured have a foreign transaction fee?
Generations FCU Visa Platinum Share Secured charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 Generations FCU Visa Platinum Share Secured?
The support contact email for Generations FCU Visa Platinum Share Secured is info@mygenfcu.org.
How do people rate the customer service and user experience of Generations FCU Visa Platinum Share Secured?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Generations FCU Visa Platinum Share Secured report your account activity to credit bureaus?
Yes, Generations FCU Visa 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 Generations FCU Visa Platinum Share Secured
- Visit the Generations FCU Visa 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.
Contact
- Headquarters
-
9311 San Pedro Ave.
San Antonio, TX 78216 - Visit Site
- Email Support
About Generations FCU Visa Platinum Share Secured
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $0 |
| Cash Advance Fee (%) | 0% |
| Minimum Cash Advance Fee ($) | $0 |
| No Annual Fee | |
| Annual Fee | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Foreign Currency Transaction Fee | 1% |
| Returned Payment Fee | Up to $28 |
| Late Fee Amount | Up to $28 |
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