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UnaffiliatedKinecta Federal Credit Union MyPlan Secured Card
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| Purchase APR (Variable APR) | Starting at 15.24% |
| Balance Transfer APR (Variable APR) | Starting at 15.24% |
| Credit Score Range | 500 - 850 |
| Annual Fee | Up to $25 |
Kinecta Federal Credit Union MyPlan Secured Card Review
This is a secured credit card credit card issued by Kinecta Federal Credit Union. If you're wondering whether Kinecta Federal Credit Union MyPlan Secured 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.
- 3% Balance transfer fee. Kinecta Federal Credit Union MyPlan Secured Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- 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.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, purchase protection, and fraud protection.
- 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.
| The Good | The Bad |
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Does Kinecta Federal Credit Union MyPlan Secured Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Kinecta Federal Credit Union MyPlan Secured Card benefits?
It provides the following benefits:
- Emergency Support
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Kinecta Federal Credit Union MyPlan Secured 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.Kinecta Federal Credit Union MyPlan Secured Card has a variable purchase APR starting at 15.24% . The card has a variable balance transfer APR starting at 15.24% . It also has a variable cash advance APR starting at 18% .
Does Kinecta Federal Credit Union MyPlan Secured Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Kinecta Federal Credit Union MyPlan Secured 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 Kinecta Federal Credit Union MyPlan Secured Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $20 |
Does Kinecta Federal Credit Union MyPlan Secured Card have a foreign transaction fee?
Kinecta Federal Credit Union MyPlan Secured 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 support contact email for Kinecta Federal Credit Union MyPlan Secured Card?
The support contact email for Kinecta Federal Credit Union MyPlan Secured Card is info@kinectawealth.org.
How do people rate the customer service and user experience of Kinecta Federal Credit Union MyPlan Secured Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Kinecta Federal Credit Union MyPlan Secured Card report your account activity to credit bureaus?
Yes, Kinecta Federal Credit Union MyPlan Secured 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 Kinecta Federal Credit Union MyPlan Secured Card
- Visit the Kinecta Federal Credit Union MyPlan Secured 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
-
1440 Rosecrans Avenue
Manhattan Beach, CA 90266 - Visit Site
- Email Support
Other Services by Kinecta Federal Credit Union
Availability
- 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
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Starting at 3% |
| Minimum Cash Advance Fee ($) | $10 - $100 |
| Foreign Currency Transaction Fee | 1% |
| Annual Fee | Up to $25 |
| Minimum Interest Charge | $1 |
| Returned Payment Fee | Up to $25 |
| Paper Statement Fee | $2 |
| Late Fee Amount | Up to $20 |
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