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  HAPO Community Credit Union Visa Share Secured

HAPO Community Credit Union Visa Share Secured

in Personal Credit Cards from HAPO Community Credit Union

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HAPO Community Credit Union Visa Share Secured

Unaffiliated

in Personal Credit Cards from HAPO Community Credit Union

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Highlights
Purchase APR  (Variable APR) 18%
Balance Transfer APR  (Variable APR) 18%
Credit Score Range 500 - 850
Annual Fee $0

HAPO Community Credit Union Visa Share Secured Review

This is a secured credit card credit card issued by HAPO Community Credit Union. If you're wondering whether HAPO Community Credit Union Visa 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.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 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.
  • 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 good approval odds.
Pros & Cons of HAPO Community Credit Union Visa Share Secured
The Good The Bad
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • HAPO Community Credit Union Visa Share Secured reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
HAPO Community Credit Union Visa Share Secured FAQ

Does HAPO Community Credit Union Visa Share Secured have a cash back or rewards program?

No, it does not offer a rewards program.

What are the HAPO Community Credit Union Visa Share Secured 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 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. It has higher than average regular APRs.

It has a variable purchase APR of 18%. The card has a variable balance transfer APR of 18% . It also has a variable cash advance APR of 18% .

Does HAPO Community Credit Union Visa Share Secured have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does HAPO Community Credit Union Visa 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 HAPO Community Credit Union Visa Share Secured?

The following fees apply:

HAPO Community Credit Union Visa Share Secured 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.

What is the customer service phone number for HAPO Community Credit Union Visa Share Secured?

The HAPO Community Credit Union Visa Share Secured customer service number is (800) 284-4276.

What is the support contact email for HAPO Community Credit Union Visa Share Secured?

The support contact email for HAPO Community Credit Union Visa Share Secured is haponews@hapo.org.

Does HAPO Community Credit Union Visa Share Secured report your account activity to credit bureaus?

Yes, HAPO Community Credit Union Visa 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 HAPO Community Credit Union Visa Share Secured

  • Visit the HAPO Community Credit Union Visa 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 9:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 5:30pm
  • Saturday Closed

About HAPO Community Credit Union Visa Share Secured

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View all personal credit cards offered by HAPO Community Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $20
Late Fee Amount $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 18%
Balance Computation Average daily balance method.
Purchase APR (Variable APR) 18%
Balance Transfer APR (Variable APR) 18%
Balance Transfer Fee % 0%
Card Type
  • Secured
Card Network Visa

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