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  Michigan Educational Credit Union Visa Platinum
Michigan Educational Credit Union Visa Platinum Unaffiliated

Michigan Educational Credit Union Visa Platinum

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Highlights
Purchase APR Starting at 9.9%
Balance Transfer APR Starting at 9.9%
Credit Score Range 600 - 850
Annual Fee $0

Michigan Educational Credit Union Visa Platinum Review

This is a credit card issued by Michigan Educational Credit Union. If you're wondering whether Michigan Educational Credit Union Visa Platinum 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
  • 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 Platinum
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Considers applicants with fair credit.
  • Michigan Educational Credit Union Visa Platinum 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 Platinum FAQ

Does Michigan Educational Credit Union Visa Platinum have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Michigan Educational Credit Union Visa Platinum benefits?

It provides the following benefits:

  • Reports to major credit bureaus

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

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 Platinum has a variable purchase APR starting at 9.9% . The card has a variable balance transfer APR starting at 9.9% . It also has a variable cash advance APR starting at 9.9% .

Does Michigan Educational Credit Union Visa Platinum 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 Platinum 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 Platinum?

The following fees apply:

  • There is no overlimit fee
Michigan Educational Credit Union Visa Platinum Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $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 Platinum have a foreign transaction fee?

Michigan Educational Credit Union Visa Platinum 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 support contact email for Michigan Educational Credit Union Visa Platinum?

The support contact email for Michigan Educational Credit Union Visa Platinum is general@michedcu.org.

What is the Michigan Educational Credit Union Visa Platinum login page?

You can access the Michigan Educational Credit Union Visa Platinum login page here.

How do people rate the customer service and user experience of Michigan Educational Credit Union Visa Platinum?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, Michigan Educational Credit Union Visa Platinum 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 Michigan Educational Credit Union Visa Platinum

  • Visit the Michigan Educational Credit Union Visa Platinum 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 Platinum

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View all 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 Up to $0
Foreign Currency Transaction Fee 1%
Paper Statement Fee $1
Late Fee Amount Up to $20
Minimum Age 18
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
  • Emergency Support
  • Travel Accident Insurance
Cash Advance APR Starting at 9.9%
Balance Computation Average Daily Balance
Purchase APR Starting at 9.9%
Balance Transfer APR Starting at 9.9%
Card Type
  • Low Interest
Card Network Visa

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