Meritrust Credit Union Visa Student Review
This is a
issued by Meritrust Credit Union.
If you're wondering whether Meritrust Credit Union Visa Student 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.
- 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.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Meritrust Credit Union Visa Student
- Lower than average purchase APRs.
- No annual fee.
- Considers applicants with fair or poor credit.
- No foreign transaction fee.
- Meritrust Credit Union Visa Student reports to multiple credit bureaus.
- Does not offer a signup bonus.
- Does not offer rewards or cash back.
- You don't earn rewards on every purchase.
- Does not include many credit card benefits.
Meritrust Credit Union Visa Student FAQ
Does Meritrust Credit Union Visa Student have a cash back or rewards program?
No, it does not offer a rewards program.
What are the relevant APRs for Meritrust Credit Union Visa Student?
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
The card has a
balance transfer APR
It also has a
cash advance APR
Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Meritrust Credit Union Visa Student have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.
Does Meritrust Credit Union Visa Student 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 Meritrust Credit Union Visa Student?
The following fees apply:
Meritrust Credit Union Visa Student Fees
|Foreign Transaction Fee
|Returned Payment Fee
||up to $28
|Late Payment Fee
||up to $28
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Meritrust Credit Union Visa Student have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.
What is the customer service phone number for Meritrust Credit Union Visa Student?
The Meritrust Credit Union Visa Student customer service number is (316) 683-1423.
Does Meritrust Credit Union Visa Student report your account activity to credit bureaus?
Yes, Meritrust Credit Union Visa Student reports your account activity to the following credit reporting agencies:
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 Meritrust Credit Union Visa Student
- Visit the Meritrust Credit Union Visa Student 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.
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