LBS Financial Credit Union Visa Classic
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| Purchase APR (Variable APR) | Starting at 14.9% |
| Balance Transfer APR (Variable APR) | Starting at 14.9% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
LBS Financial Credit Union Visa Classic Review
This is a secured credit card card issued by LBS Financial Credit Union. If you're wondering whether LBS Financial Credit Union Visa Classic is the right card for you, read on.
Key Takeaways
- 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.
- 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of LBS Financial Credit Union Visa Classic
| The Good | The Bad |
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LBS Financial Credit Union Visa Classic FAQ
Does LBS Financial Credit Union Visa Classic have a cash back or rewards program?
No, it does not offer a rewards program.
What are the LBS Financial Credit Union Visa Classic benefits?
It provides the following benefits:
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for LBS Financial Credit Union Visa Classic?
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.LBS Financial Credit Union Visa Classic has a variable purchase APR starting at 14.9% . The card has a variable balance transfer APR starting at 14.9% . It also has a variable cash advance APR starting at 14.9% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does LBS Financial Credit Union Visa Classic have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does LBS Financial Credit Union Visa Classic 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 LBS Financial Credit Union Visa Classic?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $10 |
| Late Payment Fee | up to $10 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does LBS Financial Credit Union Visa Classic have a foreign transaction fee?
LBS Financial Credit Union Visa Classic 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 LBS Financial Credit Union Visa Classic?
The LBS Financial Credit Union Visa Classic customer service number is (800) 527-3328.
What is the support contact email for LBS Financial Credit Union Visa Classic?
The support contact email for LBS Financial Credit Union Visa Classic is info@lbsfcu.org.
What is the LBS Financial Credit Union Visa Classic login page?
You can access the LBS Financial Credit Union Visa Classic login page here.
How do people rate the customer service and user experience of LBS Financial Credit Union Visa Classic?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does LBS Financial Credit Union Visa Classic report your account activity to credit bureaus?
Yes, LBS Financial Credit Union Visa Classic 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 LBS Financial Credit Union Visa Classic
- Visit the LBS Financial Credit Union Visa Classic 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
-
East Long Beach Branch Office 4341 East 10th St, Long Beach, CA 90804, US
Long Beach, CA 90804 USA - (800) 527-3328
- Visit Site
- Email Support
About LBS Financial Credit Union Visa Classic
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
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $10 |
| Late Fee Amount | Up to $10 |
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