HAPO Community Credit Union Visa Low Rate Credit Card Review

This is a credit card issued by HAPO Community Credit Union. If you're wondering whether HAPO Community Credit Union Visa Low Rate 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. HAPO Community Credit Union Visa Low Rate Credit Card has a variable purchase APR that ranges from 7.25% up to 18%.
• 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Offers auto rental collision damage waiver. Travel accident insurance. Considers applicants with fair or poor credit. HAPO Community Credit Union Visa Low Rate 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 HAPO Community Credit Union Visa Low Rate Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the HAPO Community Credit Union Visa Low Rate 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 HAPO Community Credit Union Visa Low Rate 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 7.25% up to 18%. The card has a variable balance transfer APR that ranges from 7.24% up to 18%. It also has a variable cash advance APR that ranges from 7.25% up to 18%.

What are the fees for HAPO Community Credit Union Visa Low Rate Credit Card?

The following fees apply:

HAPO Community Credit Union Visa Low Rate Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	$20
Late Payment Fee	$25

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

Does HAPO Community Credit Union Visa Low Rate Credit Card report your account activity to credit bureaus?

Yes, HAPO Community Credit Union Visa Low Rate 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 HAPO Community Credit Union Visa Low Rate Credit Card

• Visit the HAPO Community Credit Union Visa Low Rate 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.