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  Library of Congress Federal Credit Union Visa Platinum

Library of Congress Federal Credit Union Visa Platinum

in Personal Credit Cards from Library of Congress Federal Credit Union

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Library of Congress Federal Credit Union Visa Platinum

Unaffiliated

in Personal Credit Cards from Library of Congress Federal Credit Union

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Highlights
Purchase APR  (Fixed APR) Up to 9.75%
Balance Transfer APR  (Fixed APR) Up to 8.75%
Credit Score Range 600 - 850
Annual Fee $0

Library of Congress Federal Credit Union Visa Platinum Review

Library of Congress Federal Credit Union Visa Platinum is a credit card issued by Library of Congress Federal Credit Union. If you're wondering whether Library of Congress Federal Credit Union Visa Platinum is the right card for you, read on. This is everything you need to know 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.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Library of Congress Federal Credit Union Visa Platinum Pros & Cons
The Good The Bad
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Library of Congress Federal Credit Union Visa Platinum 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.
Library of Congress Federal Credit Union Visa Platinum FAQ

Is there a Library of Congress Federal Credit Union Visa Platinum cash back or rewards program?

No, Library of Congress Federal Credit Union Visa Platinum does not offer a rewards program.

What are the relevant APRs for Library of Congress Federal Credit Union Visa Platinum?

Library of Congress Federal Credit Union Visa Platinum has a fixed purchase APR of up to 9.75%.

The card has a fixed balance transfer APR of up to 8.75%.

The card has a fixed cash advance APR of up to 8.75%.

Does Library of Congress Federal Credit Union Visa Platinum have an introductory APR offer on balance transfers?

No, Library of Congress Federal Credit Union Visa Platinum does not come with an introductory APR offer for balance transfers.

Does Library of Congress Federal Credit Union Visa Platinum have an introductory APR offer on new purchases?

Library of Congress Federal Credit Union Visa Platinum does not offer an introductory rate on new purchases.

What are the fees for Library of Congress Federal Credit Union Visa Platinum?

The following fees apply to Library of Congress Federal Credit Union Visa Platinum:

Library of Congress Federal Credit Union Visa Platinum Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does Library of Congress Federal Credit Union Visa Platinum have a foreign transaction fee?

Library of Congress Federal Credit Union Visa Platinum 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 a foreign transaction fee.

Does Library of Congress Federal Credit Union Visa Platinum report your account activity to credit bureaus?

Yes, Library of Congress Federal Credit Union Visa Platinum 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 Library of Congress Federal Credit Union Visa Platinum

  • Visit the Library of Congress Federal Credit Union Visa Platinum 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
  •   8100 Professional Place , Suite 308 , Hyattsville, MD 20785-2229, US
    Hyattsville, MD 20785
  • (202) 707-5852
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 4:00am - 12:00pm
  • Tuesday 4:00am - 12:00pm
  • Wednesday 4:00am - 12:00pm
  • Thursday 4:00am - 12:00pm
  • Friday 4:00am - 12:00pm
  • Saturday Closed

About Library of Congress Federal Credit Union Visa Platinum

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
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
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
  • 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
Rewards Type No Rewards
Cash Advance APR (Fixed APR) Up to 8.75%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Fixed APR) Up to 9.75%
Balance Transfer APR (Fixed APR) Up to 8.75%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

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