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.

• 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.

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.

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% .

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 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.