Merced School Employees FCU Visa Classic
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| Purchase APR (Fixed APR) | Starting at 10.75% |
| Balance Transfer APR (Fixed APR) | Starting at 10.75% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Merced School Employees FCU Visa Classic Review
This is a card issued by Merced School Employees FCU. If you're wondering whether Merced School Employees FCU Visa Classic 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Merced School Employees FCU Visa Classic
| The Good | The Bad |
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Merced School Employees FCU Visa Classic FAQ
Does Merced School Employees FCU Visa Classic 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 Visa Classic?
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 Visa Classic has a fixed purchase APR starting at 10.75% . The card has a fixed balance transfer APR starting at 10.75% . It also has a fixed cash advance APR starting at 10.75% .
Does Merced School Employees FCU Visa Classic 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 Visa Classic 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 Visa Classic?
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 Visa Classic have a foreign transaction fee?
Merced School Employees FCU Visa Classic 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 Visa Classic?
The Merced School Employees FCU Visa Classic customer service number is (209) 383-5550.
What is the support contact email for Merced School Employees FCU Visa Classic?
The support contact email for Merced School Employees FCU Visa Classic is info@mercedschoolcu.org.
What is the Merced School Employees FCU Visa Classic login page?
You can access the Merced School Employees FCU Visa Classic login page here.
How do people rate the customer service and user experience of Merced School Employees FCU Visa Classic?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Merced School Employees FCU Visa Classic report your account activity to credit bureaus?
Yes, Merced School Employees FCU Visa Classic 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 Visa Classic
- Visit the Merced School Employees FCU Visa Classic 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 Visa Classic
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 |
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