Langley Federal Credit Union Platinum Essential Visa
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| Purchase APR (Variable APR) |
Starting at 18% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
Starting at 18% (Verified 08/04/2023) |
| Credit Score Range | 600 - 850 |
| Annual Fee | Up to $25 |
Langley Federal Credit Union Platinum Essential Visa Review
This is a card issued by Langley Federal Credit Union. If you're wondering whether Langley Federal Credit Union Platinum Essential Visa is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 18%
- 3% Balance transfer fee. Langley Federal Credit Union Platinum Essential Visa charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- 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 Langley Federal Credit Union Platinum Essential Visa
| The Good | The Bad |
|---|---|
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Langley Federal Credit Union Platinum Essential Visa FAQ
Does Langley Federal Credit Union Platinum Essential Visa have a cash back or rewards program?
No, it does not offer a rewards program.
What are the relevant APRs for Langley Federal Credit Union Platinum Essential Visa?
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 higher than average regular APRs.Langley Federal Credit Union Platinum Essential Visa has a variable purchase APR starting at 18% . The card has a variable balance transfer APR starting at 18% . It also has a variable cash advance APR starting at 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 Langley Federal Credit Union Platinum Essential Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Langley Federal Credit Union Platinum Essential Visa 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 Langley Federal Credit Union Platinum Essential Visa?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | Up to $25 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | Starting at $ up to $25 |
| Late Payment Fee | Starting at up to $25 |
Does Langley Federal Credit Union Platinum Essential Visa have a foreign transaction fee?
Langley Federal Credit Union Platinum Essential Visa 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 Langley Federal Credit Union Platinum Essential Visa?
The Langley Federal Credit Union Platinum Essential Visa customer service number is (757) 827-5328.
What is the support contact email for Langley Federal Credit Union Platinum Essential Visa?
The support contact email for Langley Federal Credit Union Platinum Essential Visa is memberservices@langleyfcu.org.
What is the Langley Federal Credit Union Platinum Essential Visa login page?
You can access the Langley Federal Credit Union Platinum Essential Visa login page here.
How do people rate the customer service and user experience of Langley Federal Credit Union Platinum Essential Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Langley Federal Credit Union Platinum Essential Visa report your account activity to credit bureaus?
Yes, Langley Federal Credit Union Platinum Essential Visa 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 Langley Federal Credit Union Platinum Essential Visa
- Visit the Langley Federal Credit Union Platinum Essential Visa 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
-
12644 Jefferson Avenue Newport News, VA 23602
Newport News, VA 23602 USA - (757) 827-5328
- Visit Site
- Email Support
Other Services by Langley Federal Credit Union
Other Credit Cards by Langley Federal Credit Union
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 (%) | Starting at 3% |
| Foreign Currency Transaction Fee | 1% |
| Annual Fee | Up to $25 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $25 |
| Paper Statement Fee | $3 |
| Late Fee Amount | Up to $25 |
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