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  Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards Credit Card

Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards Credit Card

in Personal Credit Cards from Hawaii State Federal Credit Union

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Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards Credit Card

Unaffiliated

in Personal Credit Cards from Hawaii State Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 17.15%
Balance Transfer APR  (Variable APR) 17.15%
Credit Score Range 500 - 850
Annual Fee $0

Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards 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 Federal Credit Union Share Secured Visa Platinum Rewards 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.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 17.15%
  • 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 good approval odds.
Pros & Cons of Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards Credit Card
The Good The Bad
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards 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 Federal Credit Union Share Secured Visa Platinum Rewards Credit Card FAQ

Does Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards 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 higher than average regular APRs.

It has a variable purchase APR of 17.15%. The card has a variable balance transfer APR of 17.15% . It also has a variable cash advance APR of 17.15% .

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

Does Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards Credit Card have an intro APR offer on balance transfers?

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

Does Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards 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 Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards Credit Card?

The following fees apply:

  • There is no overlimit fee
Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards 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 Federal Credit Union Share Secured Visa Platinum Rewards Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards Credit Card?

The Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards Credit Card customer service number is (888) 586-1056.

Does Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards Credit Card report your account activity to credit bureaus?

Yes, Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards 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 Federal Credit Union Share Secured Visa Platinum Rewards Credit Card

  • Visit the Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards 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.

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 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

About Hawaii State Federal Credit Union Share Secured Visa Platinum Rewards Credit Card

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View all personal credit cards offered by Hawaii State Federal 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
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $28
Paper Statement Fee $5
Additional Card Fee Amount $10
Late Fee Amount Up to $28
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
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 17.15%
Balance Computation Average Daily Balance (including new transactions).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 17.15%
Balance Transfer APR (Variable APR) 17.15%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Secured
Card Network Visa

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