Gulf Winds Credit Union Visa Secured Credit Card
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| Purchase APR (Variable APR) | 9% |
| Balance Transfer APR (Variable APR) | 9% |
| Credit Score Range | 500 - 850 |
| Annual Fee | $0 |
Gulf Winds Credit Union Visa Secured Credit Card Review
This is a credit card issued by Gulf Winds Credit Union. If you're wondering whether Gulf Winds Credit Union Visa Secured Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Gulf Winds Credit Union Visa Secured Credit Card has a variable purchase APR of 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.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, purchase protection, travel accident insurance, 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.
Pros & Cons of Gulf Winds Credit Union Visa Secured Credit Card
| The Good | The Bad |
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Gulf Winds Credit Union Visa Secured Credit Card FAQ
Does Gulf Winds Credit Union Visa Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Gulf Winds Credit Union Visa Secured Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Gulf Winds Credit Union Visa 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.Gulf Winds Credit Union Visa Secured Credit Card has a variable purchase APR of 9%. The card has a variable balance transfer APR of 9% . It also has a variable cash advance APR of 9% .
Does Gulf Winds Credit Union Visa Secured Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Gulf Winds Credit Union Visa Secured Credit 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 Gulf Winds Credit Union Visa Secured Credit Card?
The following fees apply:
- An overlimit fee of $20.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $20 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $20 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Gulf Winds Credit Union Visa Secured Credit Card have a foreign transaction fee?
Gulf Winds Credit Union Visa Secured Credit Card 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 customer service phone number for Gulf Winds Credit Union Visa Secured Credit Card?
The Gulf Winds Credit Union Visa Secured Credit Card customer service number is (800) 650-6328.
What is the support contact email for Gulf Winds Credit Union Visa Secured Credit Card?
The support contact email for Gulf Winds Credit Union Visa Secured Credit Card is info@gogulfwinds.com.
How do people rate the customer service and user experience of Gulf Winds Credit Union Visa Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Gulf Winds Credit Union Visa Secured Credit Card report your account activity to credit bureaus?
Yes, Gulf Winds Credit Union Visa 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 Gulf Winds Credit Union Visa Secured Credit Card
- Visit the Gulf Winds Credit Union Visa 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.
Contact
- Headquarters
-
220 E. Nine Mile Road
Pensacola, FL 32534 USA - (800) 650-6328
- Visit Site
- Email Support
About Gulf Winds Credit Union Visa Secured Credit Card
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 |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $20 |
| No Interest Grace Period for Late Payment | 21 days |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $20 |
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