SuperMoney
  Merced School Employees FCU Share Secured Visa
Merced School Employees FCU Share Secured Visa Unaffiliated

Merced School Employees FCU Share Secured Visa

Unaffiliated
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
Chime secured Credit Builder Visa® Credit Card 8 reviews
Highlights
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 credit 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. This review will provide you with with all the details you need to make a good choice.

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
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair credit.
  • Merced School Employees FCU Share Secured Visa reports to multiple credit bureaus.
  • 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.
  • Does not include many credit card benefits.

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:

Merced School Employees FCU Share Secured Visa Fees
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.

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

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00am
  • Tuesday 8:00am - 5:00am
  • Wednesday 8:00am - 5:00am
  • Thursday 8:00am - 5:00am
  • Friday 9:00am - 6:00am
  • Saturday Closed

About Merced School Employees FCU Share Secured Visa

Icon for Credit Cards
View all credit cards offered by Merced School Employees FCU

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 Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $2
Minimum Cash Advance Fee ($) Starting at $2
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Paper Statement Fee $0.50
Late Fee Amount Up to $10
Customer Type Personal
Minimum Age 18
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
Rewards Type No Rewards
Cash Advance APR (Fixed APR) Starting at 8.25%
Balance Computation Average daily balance
Purchase APR (Fixed APR) Starting at 8.25%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer APR (Fixed APR) Starting at 8.25%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Secured
Card Network Visa

Be the first to rate

 

Would you recommend Merced School Employees FCU Share Secured Visa to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

Merced School Employees FCU Credit Cards

Loading...