Guardians Credit Union Achieve Secured Credit Card Review

This is a secured credit card credit card issued by Guardians Credit Union. If you're wondering whether Guardians Credit Union Achieve Secured Credit 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.

• Competitive APRs. Guardians Credit Union Achieve Secured Credit Card has a fixed purchase APR of 15%
• 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.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• 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
Potentially lower than average purchase APRs. No annual fee. Access to a concierge. Considers applicants with fair or poor credit. No foreign transaction fee. Guardians Credit Union Achieve Secured Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Does Guardians Credit Union Achieve Secured Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Guardians Credit Union Achieve Secured Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Guardians Credit Union Achieve Secured Credit 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 lower than average regular APRs.

Guardians Credit Union Achieve Secured Credit Card has a fixed purchase APR of 15%. The card has a fixed balance transfer APR of 15% . It also has a fixed cash advance APR of 17.99% .

What are the fees for Guardians Credit Union Achieve Secured Credit Card?

The following fees apply:

Guardians Credit Union Achieve Secured Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Guardians Credit Union Achieve Secured Credit Card report your account activity to credit bureaus?

Yes, Guardians Credit Union Achieve Secured Credit 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 Guardians Credit Union Achieve Secured Credit Card

• Visit the Guardians Credit Union Achieve Secured Credit 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.