Michigan Educational Credit Union Visa Gold Credit Card
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| 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
This is a 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.
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 Michigan Educational Credit Union Visa Gold Credit Card
| The Good | The Bad |
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Michigan Educational Credit Union Visa Gold Credit Card FAQ
Does Michigan Educational Credit Union Visa Gold Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Michigan Educational Credit Union Visa Gold Credit Card benefits?
It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Michigan Educational Credit Union Visa Gold Credit Card 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 Michigan Educational Credit Union Visa Gold Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | $0 |
| Late Payment Fee | up to $20 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
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 foreign transaction fees.What is the customer service phone number for Michigan Educational Credit Union Visa Gold Credit Card?
The Michigan Educational Credit Union Visa Gold Credit Card customer service number is (734) 455-9200.
What is the support contact email for Michigan Educational Credit Union Visa Gold Credit Card?
The support contact email for Michigan Educational Credit Union Visa Gold Credit Card is general@michedcu.org.
What is the Michigan Educational Credit Union Visa Gold Credit Card login page?
You can access the Michigan Educational Credit Union Visa Gold Credit Card login page here.
How do people rate the customer service and user experience of Michigan Educational Credit Union Visa Gold Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
9200 Haggerty Rd. Plymouth, MI 48170
Plymouth, MI 48170 USA - (734) 455-9200
- Visit Site
- Email Support
About Michigan Educational Credit Union Visa Gold Credit Card
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
| Foreign Currency Transaction Fee | 1% |
| 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 |
| Paper Statement Fee | $2 |
| Late Fee Amount | Up to $20 |
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