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  Mazuma Credit Union Secured Visa

Mazuma Credit Union Secured Visa

in Personal Credit Cards from Mazuma Credit Union

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Mazuma Credit Union Secured Visa

Unaffiliated

in Personal Credit Cards from Mazuma Credit Union

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Highlights
Purchase APR  (Variable APR) 19.9 - 18.9
Balance Transfer APR  (Variable APR) 9.9 - 18.9
Credit Score Range 500 - 850
Annual Fee $0

Mazuma Credit Union Secured Visa Review

This is a credit card issued by Mazuma Credit Union. If you're wondering whether Mazuma Credit Union Secured Visa 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 variable purchase APR that ranges from 19.9% up to 18.9%.
  • 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.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • 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 Mazuma Credit Union Secured Visa
The Good The Bad
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Mazuma Credit Union Secured Visa reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Mazuma Credit Union Secured Visa FAQ

Does Mazuma Credit Union Secured Visa have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Mazuma Credit Union Secured Visa benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Mazuma Credit Union Secured Visa?

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 variable purchase APR that ranges from 19.9% up to 18.9%. The card has a variable balance transfer APR that ranges from 9.9% up to 18.9%. It also has a variable cash advance APR that ranges from 9.9% up to 18.9%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Mazuma Credit Union Secured Visa have an intro APR offer on balance transfers?

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

Does Mazuma Credit Union Secured Visa 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 Mazuma Credit Union Secured Visa?

The following fees apply:

  • There is no overlimit fee
Mazuma Credit Union Secured Visa Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $15
Late Payment Fee $5 - $15

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

Does Mazuma Credit Union Secured Visa have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Mazuma Credit Union Secured Visa?

The Mazuma Credit Union Secured Visa customer service number is (913) 574-5000.

What is the support contact email for Mazuma Credit Union Secured Visa?

The support contact email for Mazuma Credit Union Secured Visa is info@mazuma.org.

Does Mazuma Credit Union Secured Visa report your account activity to credit bureaus?

Yes, Mazuma Credit Union Secured 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 Mazuma Credit Union Secured Visa

  • Visit the Mazuma Credit Union Secured 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 Mazuma Credit Union Secured Visa

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View all personal credit cards offered by Mazuma Credit Union

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

Cash Advance Fee Minimum 0
Cash Advance Fee (%) 0
Minimum Cash Advance Fee ($) 0
Foreign Currency Transaction Fee 0
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge 0
Over-Limit Fee 0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to 15
Late Fee Amount 5 - 15
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
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 9.9 - 18.9
Balance Computation Average daily balance (including new purchases)
Penalty APR (Variable APR) 0
Purchase APR (Variable APR) 19.9 - 18.9
Balance Transfer Fee % After Intro Period Starting at 0
Balance Transfer APR (Variable APR) 9.9 - 18.9
Balance Transfer Fee Minimum 0
Balance Transfer Fee % 0
Card Type
  • Low Interest
Card Network Visa

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