Merced School Employees FCU Share Secured Visa
Not enough votes for recommendation
Would you recommend Merced School Employees FCU Share Secured Visa to your friends?
| Purchase APR (Fixed APR) | Starting at 8.25% |
| Balance Transfer APR (Fixed APR) | Starting at 8.25% |
| Credit Score Range | 500 - 850 |
| Annual Fee | $0 |
Merced School Employees FCU Share Secured Visa Review
This is a secured credit card card issued by Merced School Employees FCU. If you're wondering whether Merced School Employees FCU Share Secured Visa is the right card for you, read on.
Key Takeaways
- 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.
- 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.
Pros & Cons of Merced School Employees FCU Share Secured Visa
| The Good | The Bad |
|---|---|
|
|
Merced School Employees FCU Share Secured Visa FAQ
Does Merced School Employees FCU Share Secured Visa have a cash back or rewards program?
No, it does not offer a rewards program.
What are the relevant APRs for Merced School Employees FCU Share 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. This card has lower than average regular APRs.Merced School Employees FCU Share Secured Visa has a fixed purchase APR starting at 8.25% . The card has a fixed balance transfer APR starting at 8.25% . It also has a fixed cash advance APR starting at 8.25% .
Does Merced School Employees FCU Share Secured Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Merced School Employees FCU Share 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 Merced School Employees FCU Share Secured Visa?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $10 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Merced School Employees FCU Share Secured Visa have a foreign transaction fee?
Merced School Employees FCU Share Secured Visa 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 Merced School Employees FCU Share Secured Visa?
The Merced School Employees FCU Share Secured Visa customer service number is (209) 383-5550.
What is the support contact email for Merced School Employees FCU Share Secured Visa?
The support contact email for Merced School Employees FCU Share Secured Visa is info@mercedschoolcu.org.
What is the Merced School Employees FCU Share Secured Visa login page?
You can access the Merced School Employees FCU Share Secured Visa login page here.
How do people rate the customer service and user experience of Merced School Employees FCU Share Secured Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Merced School Employees FCU Share Secured Visa report your account activity to credit bureaus?
Yes, Merced School Employees FCU Share 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 Merced School Employees FCU Share Secured Visa
- Visit the Merced School Employees FCU Share 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.
Contact
- Headquarters
-
1021 Olivewood Drive Merced, CA 95348
Merced, CA 95348 USA - (209) 383-5550
- Visit Site
- Email Support
About Merced School Employees FCU Share Secured Visa
Other Credit Cards by Merced School Employees FCU
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $2 |
| Minimum Cash Advance Fee ($) | Starting at $2 |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $25 |
| Paper Statement Fee | $0.50 |
| Late Fee Amount | Up to $10 |
Be the first to rate
Would you recommend Merced School Employees FCU Share Secured Visa to your friends?
Other Credit Cards
- American Express® National Bank Gold Credit Card
- Ascend Federal Credit Union Student Visa® Credit Card
- Citizens Equity First Credit Union World Mastercard
- Citizens National Bank World and Preferred Points Card
- Freedom To Ride Credit Card
- L&N Federal Visa® Platinum Card
- Members 1st Federal Credit Union VISA Platinum Secured
- Members First Credit Union VISA Platinum Reward
- Monroe County Community CU Mastercard Reward
- Park Community Credit Union Visa Classic Credit Card
- Park Community Credit Union Visa Platinum Credit Card
- Polish Slavic FCU VISA Signature Credit Card
