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UnaffiliatedMembers First Credit Union Visa Platinum Share Secured
in Personal Credit Cards from Members First Credit Union
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| Purchase APR (Variable APR) | 7.75% |
| Balance Transfer APR (Variable APR) | 7.75% |
| Credit Score Range | 500 - 850 |
| Annual Fee | N/A |
Members First Credit Union Visa Platinum Share Secured Review
This is a secured credit card credit card issued by Members First Credit Union. If you're wondering whether Members First Credit Union Visa Platinum Share 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.
- Competitive APRs. Members First Credit Union Visa Platinum Share Secured has a variable purchase APR of 7.75%
- 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.
- Accepts cosigners. Members First Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- 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 relatively good approval odds.
| The Good | The Bad |
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Does Members First Credit Union Visa Platinum Share Secured have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Members First Credit Union Visa Platinum Share Secured benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Members First Credit Union Visa Platinum Share 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. This card has lower than average regular APRs.Members First Credit Union Visa Platinum Share Secured has a variable purchase APR of 7.75%. The card has a variable balance transfer APR of 7.75% . It also has a variable cash advance APR of 7.75% .
Does Members First Credit Union Visa Platinum Share Secured have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Members First Credit Union Visa Platinum Share 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 Members First Credit Union Visa Platinum Share Secured?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $25 |
Does Members First Credit Union Visa Platinum Share Secured have a foreign transaction fee?
Members First Credit Union Visa Platinum Share 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 support contact email for Members First Credit Union Visa Platinum Share Secured?
The support contact email for Members First Credit Union Visa Platinum Share Secured is mail@mfcu.net.
How do people rate the customer service and user experience of Members First Credit Union Visa Platinum Share Secured?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Members First Credit Union Visa Platinum Share Secured report your account activity to credit bureaus?
Yes, Members First Credit Union Visa Platinum Share 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 Members First Credit Union Visa Platinum Share Secured
- Visit the Members First Credit Union Visa Platinum Share 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.
Contact
- Headquarters
-
P.O. Box 2165
Midland, MI 48641 - Visit Site
- Email Support
Other Services by Members First Credit Union
Availability
- 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 | 21 days |
| Foreign Currency Transaction Fee | 1% |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $25 |
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