Health Center Credit Union Visa Credit Card
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| 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 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.
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 odds if your credit score is above 600.
Pros & Cons of Health Center Credit Union Visa Credit Card
| The Good | The Bad |
|---|---|
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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. This card has lower than average regular APRs.Health Center Credit Union Visa Credit Card 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:
| 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.
What is the Health Center Credit Union Visa Credit Card login page?
You can access the Health Center Credit Union Visa Credit Card login page here.
How do people rate the customer service and user experience of Health Center Credit Union Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
1424 Walton Way
Augusta, GA 30901 USA - (706) 434-1600
- Visit Site
- Email Support
About Health Center Credit Union Visa Credit Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $5 |
| Minimum Cash Advance Fee ($) | Up to $5 |
| Foreign Currency Transaction Fee | 1% |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $35 |
| Paper Statement Fee | $5 |
| Additional Card Fee Amount | $15 |
| Late Fee Amount | Up to $35 |
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