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  Merced School Employees FCU Visa Classic

Merced School Employees FCU Visa Classic

in Personal Credit Cards from Merced School Employees FCU

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Merced School Employees FCU Visa Classic

Unaffiliated

in Personal Credit Cards from Merced School Employees FCU

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Highlights
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 credit 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. 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.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Merced School Employees FCU Visa Classic
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Merced School Employees FCU Visa Classic 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 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. It has lower than average regular APRs.

It 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:

Merced School Employees FCU Visa Classic 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 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.

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.

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 Visa Classic

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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
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Fixed APR) Starting at 10.75%
Balance Computation average daily balance
Credit Limit Up to $25,000
Purchase APR (Fixed APR) Starting at 10.75%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer APR (Fixed APR) Starting at 10.75%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Low Interest
Card Network Visa

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