SuperMoney
  Health Center Credit Union Visa Credit Card

Health Center Credit Union Visa Credit Card

in Personal Credit Cards from Health Center Credit Union

Unaffiliated

Health Center Credit Union Visa Credit Card

Unaffiliated

in Personal Credit Cards from Health Center Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Health Center Credit Union Visa Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 9.9% - 18%
Balance Transfer APR  (Variable APR) 9.9% - 18%
Credit Score Range 600 - 850
Annual Fee N/A

Health Center Credit Union Visa Credit Card Review

This is a credit card issued by Health Center Credit Union. If you're wondering whether Health Center Credit Union Visa 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
  • Competitive APRs. Health Center Credit Union Visa Credit Card has a variable purchase APR that ranges from 9.9% up to 18%.
  • 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.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Health Center Credit Union Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Considers applicants with fair or poor credit.
  • Health Center Credit Union Visa 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.
  • Does not include many credit card benefits.
Health Center Credit Union Visa Credit Card FAQ

Does Health Center Credit Union Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Health Center Credit Union Visa Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Health Center Credit Union 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 9.9% up to 18%. The card has a variable balance transfer APR that ranges from 9.9% up to 18%. It also has a variable cash advance APR that ranges from 9.9% up to 18%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Health Center Credit Union Visa Credit Card have an intro APR offer on balance transfers?

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

Does Health Center Credit Union Visa 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 Health Center Credit Union Visa Credit Card?

The following fees apply:

Health Center Credit Union Visa Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee up to $35
Late Payment Fee up to $35

Does Health Center Credit Union Visa Credit Card have a foreign transaction fee?

Health Center Credit Union Visa Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Health Center Credit Union Visa Credit Card?

The Health Center Credit Union Visa Credit Card customer service number is (706) 434-1600.

What is the support contact email for Health Center Credit Union Visa Credit Card?

The support contact email for Health Center Credit Union Visa Credit Card is hccumbrsvc@augusta.edu.

Does Health Center Credit Union Visa Credit Card report your account activity to credit bureaus?

Yes, Health Center Credit Union 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 Health Center Credit Union Visa Credit Card

  • Visit the Health Center Credit Union 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.

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 - 4:30pm
  • Tuesday 9:00am - 4:30pm
  • Wednesday 9:00am - 2:00pm
  • Thursday 9:00am - 4:30pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

About Health Center Credit Union Visa Credit Card

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Minimum Cash Advance Fee ($) Up to $5
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $35
Paper Statement Fee $5
Additional Card Fee Amount $15
Late Fee Amount Up to $35
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 9.9% - 18%
Balance Computation a method called “Average Daily Balance (including new purchases)”.
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 9.9% - 18%
Balance Transfer APR (Variable APR) 9.9% - 18%
Card Type
  • Low Interest
Card Network Visa

Be the first to rate

 

Would you recommend Health Center Credit Union Visa Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards