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  Marriott Employees Federal Credit Union Platinum Secured

Marriott Employees Federal Credit Union Platinum Secured

in Personal Credit Cards from Marriott Employees Federal Credit Union

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Marriott Employees Federal Credit Union Platinum Secured

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in Personal Credit Cards from Marriott Employees Federal Credit Union

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Highlights
Purchase APR  (Fixed APR) Starting at 17.5%
Balance Transfer APR  (Fixed APR) Starting at 17.5%
Credit Score Range 500 - 850
Annual Fee Starting at $25

Marriott Employees Federal Credit Union Platinum Secured Review

This is a secured credit card credit card issued by Marriott Employees Federal Credit Union. If you're wondering whether Marriott Employees Federal Credit Union Platinum Secured is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR starting at 17.5%
  • 3% Balance transfer fee. Marriott Employees Federal Credit Union Platinum Secured charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
  • 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.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Marriott Employees Federal Credit Union Platinum Secured
The Good The Bad
  • Considers applicants with fair or poor credit.
  • Marriott Employees Federal Credit Union Platinum Secured reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of up to .
  • 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.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
Marriott Employees Federal Credit Union Platinum Secured FAQ

Does Marriott Employees Federal Credit Union Platinum Secured have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Marriott Employees Federal Credit Union Platinum Secured?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a fixed purchase APR starting at 17.5% . The card has a fixed balance transfer APR starting at 17.5% . It also has a fixed cash advance APR starting at 17.5% .

Does Marriott Employees Federal Credit Union Platinum Secured have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Marriott Employees Federal Credit Union Platinum Secured 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 Marriott Employees Federal Credit Union Platinum Secured?

The following fees apply:

Marriott Employees Federal Credit Union Platinum Secured Fees
Fees Amount
Annual Fee N/A
Foreign Transaction Fee 1%
Returned Payment Fee up to $35
Late Payment Fee up to $35

Does Marriott Employees Federal Credit Union Platinum Secured have a foreign transaction fee?

Marriott Employees Federal Credit Union Platinum Secured 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 Marriott Employees Federal Credit Union Platinum Secured?

The Marriott Employees Federal Credit Union Platinum Secured customer service number is (800) 821-7280.

What is the support contact email for Marriott Employees Federal Credit Union Platinum Secured?

The support contact email for Marriott Employees Federal Credit Union Platinum Secured is member.services@marriott.com.

Does Marriott Employees Federal Credit Union Platinum Secured report your account activity to credit bureaus?

Yes, Marriott Employees Federal Credit Union Platinum Secured 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 Marriott Employees Federal Credit Union Platinum Secured

  • Visit the Marriott Employees Federal Credit Union Platinum Secured 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.

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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

About Marriott Employees Federal Credit Union Platinum Secured

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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 Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Starting at 3%
Foreign Currency Transaction Fee 1%
Annual Fee Starting at $25
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
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
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Fixed APR) Starting at 17.5%
Balance Computation Average daily balance (including new transactions).
Credit Limit Starting at $500
Purchase APR (Fixed APR) Starting at 17.5%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer APR (Fixed APR) Starting at 17.5%
Balance Transfer Fee % 3%
Card Type
  • Secured
  • Low Interest
Card Network Visa

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