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  Michigan Educational Credit Union Visa Gold Credit Card

Michigan Educational Credit Union Visa Gold Credit Card

in Personal Credit Cards from Michigan Educational Credit Union

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Michigan Educational Credit Union Visa Gold Credit Card

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in Personal Credit Cards from Michigan Educational Credit Union

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Highlights
Purchase APR  (Fixed APR) Starting at 10.9%
Balance Transfer APR  (Fixed APR) Starting at 10.9%
Credit Score Range 600 - 850
Annual Fee $0

Michigan Educational Credit Union Visa Gold Credit Card Review

Michigan Educational Credit Union Visa Gold Credit Card is a credit card issued by Michigan Educational Credit Union. If you're wondering whether Michigan Educational Credit Union Visa Gold Credit Card is the right card for you, read on. This is everything you need to know 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.
Michigan Educational Credit Union Visa Gold Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • Michigan Educational Credit Union Visa Gold Credit Card 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.
Michigan Educational Credit Union Visa Gold Credit Card FAQ

Is there a Michigan Educational Credit Union Visa Gold Credit Card cash back or rewards program?

No, Michigan Educational Credit Union Visa Gold Credit Card does not offer a rewards program.

What are the Michigan Educational Credit Union Visa Gold Credit Card benefits?

Michigan Educational Credit Union Visa Gold Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Michigan Educational Credit Union Visa Gold Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Michigan Educational Credit Union Visa Gold Credit Card has lower than average purchase APRs.

Michigan Educational Credit Union Visa Gold Credit Card has a fixed purchase APR starting at 10.9% . The card has a fixed balance transfer APR starting at 10.9% . It also has a fixed cash advance APR starting at 10.9% .

Does Michigan Educational Credit Union Visa Gold Credit Card have an introductory APR offer on balance transfers?

No, Michigan Educational Credit Union Visa Gold Credit Card does not come with an introductory APR offer for balance transfers.

Does Michigan Educational Credit Union Visa Gold Credit Card have an introductory APR offer on new purchases?

Michigan Educational Credit Union Visa Gold Credit Card does not offer an introductory rate on new purchases.

What are the fees for Michigan Educational Credit Union Visa Gold Credit Card?

The following fees apply to Michigan Educational Credit Union Visa Gold Credit Card:

  • There is no overlimit fee
Michigan Educational Credit Union Visa Gold Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $0
Late Payment Fee up to $20

Does Michigan Educational Credit Union Visa Gold Credit Card have a foreign transaction fee?

Michigan Educational Credit Union Visa Gold Credit Card 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 a foreign transaction fee.

Does Michigan Educational Credit Union Visa Gold Credit Card report your account activity to credit bureaus?

Yes, Michigan Educational Credit Union Visa Gold Credit Card 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 Michigan Educational Credit Union Visa Gold Credit Card

  • Visit the Michigan Educational Credit Union Visa Gold Credit Card 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 7:00am - 3:00am
  • Tuesday 7:00am - 3:00am
  • Wednesday 7:00am - 3:00am
  • Thursday 7:00am - 3:00am
  • Friday 7:00am - 3:00am
  • Saturday Closed

About Michigan Educational Credit Union Visa Gold Credit Card

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View all personal credit cards offered by Michigan Educational Credit Union

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
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $0
Foreign Currency Transaction Fee 1%
Paper Statement Fee $2
Late Fee Amount Up to $20
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
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Fixed APR) Starting at 10.9%
Balance Computation Average daily balance
Purchase APR (Fixed APR) Starting at 10.9%
Balance Transfer APR (Fixed APR) Starting at 10.9%
Card Type
  • Low Interest
Card Network Visa

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