Los Angeles Police Federal Credit Union My First Visa

Los Angeles Police Federal Credit Union My First Visa Review

This is a card issued by Los Angeles Police Federal Credit Union. If you're wondering whether Los Angeles Police Federal Credit Union My First Visa is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Competitive APRs. Los Angeles Police Federal Credit Union My First Visa has a variable purchase APR that ranges from 12.99% up to 17.9%.
• 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.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
• 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 Los Angeles Police Federal Credit Union My First Visa

Los Angeles Police Federal Credit Union My First Visa FAQ

Does Los Angeles Police Federal Credit Union My First Visa have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Los Angeles Police Federal Credit Union My First Visa?

Los Angeles Police Federal Credit Union My First Visa has a variable purchase APR that ranges from 12.99% up to 17.9%. The card has a variable balance transfer APR that ranges from 12.99% up to 17.9%. It also has a variable cash advance APR that ranges from 12.99% up to 17.9%. Note that late payments are subject to an APR of 17.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Los Angeles Police Federal Credit Union My First Visa?

The following fees apply:

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Los Angeles Police Federal Credit Union My First Visa report your account activity to credit bureaus?

Yes, Los Angeles Police Federal Credit Union My First Visa 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 Los Angeles Police Federal Credit Union My First Visa

• Visit the Los Angeles Police Federal Credit Union My First Visa 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.