
Local Government Federal Credit Union Visa Credit Card
in Personal Credit Cards from Local Government Federal Credit Union
UnaffiliatedLocal Government Federal Credit Union Visa Credit Card
in Personal Credit Cards from Local Government Federal Credit Union
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Purchase APR (Variable APR) | Starting at 9.75% |
Balance Transfer APR (Variable APR) | Starting at 9.75% |
Credit Score Range | 670 - 850 |
Annual Fee | $0 |
Local Government Federal Credit Union Visa Credit Card Review
Local Government Federal Credit Union Visa Credit Card is a credit card issued by Local Government Federal Credit Union. If you're wondering whether Local Government Federal Credit Union Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
- 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.
- Good or better credit required. You will have low approval odds if your credit score is below 670.
The Good | The Bad |
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Is there a Local Government Federal Credit Union Visa Credit Card cash back or rewards program?
No, Local Government Federal Credit Union Visa Credit Card does not offer a rewards program.
What are the Local Government Federal Credit Union Visa Credit Card benefits?
Local Government Federal Credit Union Visa Credit Card provides the following benefits:
- Reports to major credit bureaus
What are the relevant APRs for Local Government Federal Credit Union Visa Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Local Government Federal Credit Union Visa Credit Card has lower than average purchase APRs.Local Government Federal Credit Union Visa Credit Card has a variable purchase APR starting at 9.75% . The card has a variable balance transfer APR starting at 9.75% . It also has a variable cash advance APR starting at 9.75% .
Does Local Government Federal Credit Union Visa Credit Card have an introductory APR offer on balance transfers?
No, Local Government Federal Credit Union Visa Credit Card does not come with an introductory APR offer for balance transfers.Does Local Government Federal Credit Union Visa Credit Card have an introductory APR offer on new purchases?
Local Government Federal Credit Union Visa Credit Card does not offer an introductory rate on new purchases.What are the fees for Local Government Federal Credit Union Visa Credit Card?
The following fees apply to Local Government Federal Credit Union Visa Credit Card:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 1% |
Late Payment Fee | up to $5 |
Does Local Government Federal Credit Union Visa Credit Card have a foreign transaction fee?
Local Government Federal Credit Union Visa Credit 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 a foreign transaction fee.Does Local Government Federal Credit Union Visa Credit Card report your account activity to credit bureaus?
Yes, Local Government Federal Credit Union Visa Credit 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 Local Government Federal Credit Union Visa Credit Card
- Visit the Local Government Federal Credit Union Visa Credit 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
-
2401 Blue Ridge Rd. Raleigh, NC 27607
Raleigh, NC 27607 - (888) 732-8562
- Visit Site
About Local Government Federal Credit Union Visa Credit Card
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
Cash Advance Fee Minimum | $0 |
Cash Advance Fee (%) | Starting at 0% |
Minimum Cash Advance Fee ($) | Starting at $0 |
No Annual Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $0 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 21 days |
Foreign Currency Transaction Fee | 1% |
Returned Payment Fee | Starting at $5 |
Late Fee Amount | Up to $5 |
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