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
Lower than average purchase APRs. No annual fee. Identity Theft Protection. Local Government Federal Credit Union Visa Credit Card reports to multiple credit bureaus.	Requires good to excellent credit. 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.

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% .

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

Local Government Federal Credit Union Visa Credit Card Fees

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 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.