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  LBS Financial Credit Union Visa Classic

LBS Financial Credit Union Visa Classic

in Personal Credit Cards from LBS Financial Credit Union

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LBS Financial Credit Union Visa Classic

Unaffiliated

in Personal Credit Cards from LBS Financial Credit Union

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Highlights
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 credit 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. This review will provide you with with all the details you need to make a good choice.

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 oods if your credit score is above600.
Pros & Cons of LBS Financial Credit Union Visa Classic
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • LBS Financial Credit Union Visa Classic 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.
  • Does not include many credit card benefits.
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. It has lower than average regular APRs.

It 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:

LBS Financial Credit Union Visa Classic Fees
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.

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.

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

  • Headquarters
  •   East Long Beach Branch Office 4341 East 10th St, Long Beach, CA 90804, US
    Long Beach, CA 90804
  • (800) 527-3328
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 7:00am
  • Tuesday 8:00am - 7:00am
  • Wednesday 8:00am - 7:00am
  • Thursday 8:00am - 7:00am
  • Friday 8:00am - 7:00am
  • Saturday 8:00am - 5:00am

About LBS Financial Credit Union Visa Classic

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View all personal credit cards offered by LBS Financial Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • 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 Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $10
Late Fee Amount Up to $10
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) Starting at 14.9%
Balance Computation Average daily balance (excluding new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) Starting at 14.9%
Balance Transfer APR (Variable APR) Starting at 14.9%
Card Type
  • Secured
Card Network Visa

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