SuperMoney
  IH Mississippi Valley Credit Union 9.9% APR Credit Card

IH Mississippi Valley Credit Union 9.9% APR Credit Card

in Personal Credit Cards from IH Mississippi Valley Credit Union

Unaffiliated

IH Mississippi Valley Credit Union 9.9% APR Credit Card

Unaffiliated

in Personal Credit Cards from IH Mississippi Valley Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend IH Mississippi Valley Credit Union 9.9% APR Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Fixed APR) Up to 9.9%
Balance Transfer APR  (Fixed APR) Up to 9.9%
Credit Score Range 600 - 850
Annual Fee $0

IH Mississippi Valley Credit Union 9.9% APR Credit Card Review

This is a credit card issued by IH Mississippi Valley Credit Union. If you're wondering whether IH Mississippi Valley Credit Union 9.9% APR 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • 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.
  • 2% Balance transfer fee. IH Mississippi Valley Credit Union 9.9% APR Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $5.
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of IH Mississippi Valley Credit Union 9.9% APR Credit Card
The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • IH Mississippi Valley Credit Union 9.9% APR 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.
  • Charges a 2% balance transfer fee.
IH Mississippi Valley Credit Union 9.9% APR Credit Card FAQ

Does IH Mississippi Valley Credit Union 9.9% APR Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the IH Mississippi Valley Credit Union 9.9% APR Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for IH Mississippi Valley Credit Union 9.9% APR Credit Card?

It has a fixed purchase APR of up to 9.9%.

The card has a fixed balance transfer APR of up to 9.9%.

The card has a fixed cash advance APR of up to 9.9%.

Note that late payments are subject to an APR of 12.9% 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 IH Mississippi Valley Credit Union 9.9% APR Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

IH Mississippi Valley Credit Union 9.9% APR Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 2%

Does IH Mississippi Valley Credit Union 9.9% APR Credit Card have an intro APR offer on new purchases?

IH Mississippi Valley Credit Union 9.9% APR Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for IH Mississippi Valley Credit Union 9.9% APR Credit Card?

The following fees apply:

IH Mississippi Valley Credit Union 9.9% APR Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

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

Does IH Mississippi Valley Credit Union 9.9% APR Credit Card have a foreign transaction fee?

IH Mississippi Valley Credit Union 9.9% APR 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 IH Mississippi Valley Credit Union 9.9% APR Credit Card?

The IH Mississippi Valley Credit Union 9.9% APR Credit Card customer service number is (309) 793-6200.

Does IH Mississippi Valley Credit Union 9.9% APR Credit Card report your account activity to credit bureaus?

Yes, IH Mississippi Valley Credit Union 9.9% APR 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 IH Mississippi Valley Credit Union 9.9% APR Credit Card

  • Visit the IH Mississippi Valley Credit Union 9.9% APR 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 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 5:00pm
  • Saturday Closed

About IH Mississippi Valley Credit Union 9.9% APR Credit Card

Icon for Personal Credit Cards
View all personal credit cards offered by IH Mississippi Valley Credit Union

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

Introductory Rate 0%
Purchase Intro APR Period (Fixed APR) 6 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 2%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Additional Card Fee Amount $10
Late Fee Amount Up to $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
  • 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
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Fixed APR) Up to 9.9%
Balance Computation a method called “average daily balance (including new purchases).”
Penalty APR (Fixed APR) 12.9%
Purchase APR (Fixed APR) Up to 9.9%
Balance Transfer Introductory APR (Fixed APR) 0%
Balance Transfer Intro APR Period (Fixed APR) 6 months
Balance Transfer APR (Fixed APR) Up to 9.9%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 2%
Card Type
  • Low Interest
Card Network Visa

Be the first to rate

 

Would you recommend IH Mississippi Valley Credit Union 9.9% APR 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

IH Mississippi Valley Credit Union Personal Credit Cards

Loading...