Hawaii State FCU Secured Visa Credit Card

Hawaii State FCU Secured Visa Credit Card Review

This is a secured credit card credit card issued by Hawaii State Federal Credit Union. If you're wondering whether Hawaii State FCU Secured Visa Credit Card is the right card for you, read on.

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.
• 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.

Pros & Cons of Hawaii State FCU Secured Visa Credit Card

The Good	The Bad
No annual fee. Considers applicants with fair credit. No foreign transaction fee. Hawaii State FCU Secured Visa Credit Card 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. Does not include many credit card benefits.

Hawaii State FCU Secured Visa Credit Card FAQ

Does Hawaii State FCU Secured Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Hawaii State FCU Secured Visa Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Hawaii State FCU Secured Visa 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 higher than average regular APRs.

Hawaii State FCU Secured Visa Credit Card 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% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Hawaii State FCU Secured Visa Credit Card?

The following fees apply:

• There is no overlimit fee

Hawaii State FCU Secured Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $28
Late Payment Fee	up to $28

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

Does Hawaii State FCU Secured Visa Credit Card report your account activity to credit bureaus?

Yes, Hawaii State FCU Secured Visa 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 Hawaii State FCU Secured Visa Credit Card

• Visit the Hawaii State FCU Secured Visa 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.