Local Government Federal Credit Union Visa Credit Card
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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
This is a 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.
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.
- Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of Local Government Federal Credit Union Visa Credit Card
| The Good | The Bad |
|---|---|
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Local Government Federal Credit Union Visa Credit Card FAQ
Does Local Government Federal Credit Union Visa Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Local Government Federal Credit Union Visa Credit Card benefits?
It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Local Government Federal Credit Union Visa Credit Card 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 Local Government Federal Credit Union Visa Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Late Payment Fee | up to $5 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
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 foreign transaction fees.What is the customer service phone number for Local Government Federal Credit Union Visa Credit Card?
The Local Government Federal Credit Union Visa Credit Card customer service number is (888) 732-8562.
What is the support contact email for Local Government Federal Credit Union Visa Credit Card?
The support contact email for Local Government Federal Credit Union Visa Credit Card is info@lgfcu.org.
What is the Local Government Federal Credit Union Visa Credit Card login page?
You can access the Local Government Federal Credit Union Visa Credit Card login page here.
How do people rate the customer service and user experience of Local Government Federal Credit Union Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 USA - (888) 732-8562
- Visit Site
- Email Support
About Local Government Federal Credit Union Visa Credit Card
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 Minimum | $0 |
| Cash Advance Fee (%) | Starting at 0% |
| Minimum Cash Advance Fee ($) | Starting at $0 |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 21 days |
| Returned Payment Fee | Starting at $5 |
| Late Fee Amount | Up to $5 |
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