Gulf Winds Credit Union Visa Secured Credit Card Review

Gulf Winds Credit Union Visa Secured Credit Card 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. This is everything you need to know to make a good choice.

• 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 good approval odds.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Travel accident insurance. Considers applicants with fair or poor credit. Gulf Winds Credit Union Visa Secured Credit Card 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.

Is there a Gulf Winds Credit Union Visa Secured Credit Card cash back or rewards program?

No, Gulf Winds Credit Union Visa Secured Credit Card does not offer a rewards program.

What are the Gulf Winds Credit Union Visa Secured Credit Card benefits?

Gulf Winds Credit Union Visa Secured Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Gulf Winds Credit Union Visa Secured Credit Card has lower than average purchase 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% .

What are the fees for Gulf Winds Credit Union Visa Secured Credit Card?

The following fees apply to Gulf Winds Credit Union Visa Secured Credit Card:

• An overlimit fee of $20.

Gulf Winds Credit Union Visa Secured Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$20
Foreign Transaction Fee	1%
Returned Payment Fee	up to $25
Late Payment Fee	up to $20

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.