Michigan Schools Government CU Credit Card
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| Purchase APR (Variable APR) | Starting at 9.750 |
| Balance Transfer APR (Variable APR) | Starting at 9.750 |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Michigan Schools Government CU Credit Card Review
This is a card issued by Michigan Schools and Government Credit Union. If you're wondering whether Michigan Schools Government CU 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 Schools Government CU Credit Card
| The Good | The Bad |
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Michigan Schools Government CU Credit Card FAQ
Does Michigan Schools Government CU Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Michigan Schools Government CU Credit Card benefits?
It provides the following benefits:
- Reports to major credit bureaus
What are the relevant APRs for Michigan Schools Government CU 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 Schools Government CU Credit Card has a variable purchase APR starting at 9.750% . The card has a variable balance transfer APR starting at 9.750% . It also has a variable cash advance APR starting at 9.750% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Michigan Schools Government CU 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 Schools Government CU 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 Schools Government CU 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 | up to $25 |
| Late Payment Fee | up to $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Michigan Schools Government CU Credit Card have a foreign transaction fee?
Michigan Schools Government CU 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 Schools Government CU Credit Card?
The Michigan Schools Government CU Credit Card customer service number is (866) 674-2848.
What is the support contact email for Michigan Schools Government CU Credit Card?
The support contact email for Michigan Schools Government CU Credit Card is service@msgcu.org.
What is the Michigan Schools Government CU Credit Card login page?
You can access the Michigan Schools Government CU Credit Card login page here.
How do people rate the customer service and user experience of Michigan Schools Government CU Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Michigan Schools Government CU Credit Card report your account activity to credit bureaus?
Yes, Michigan Schools Government CU 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 Schools Government CU Credit Card
- Visit the Michigan Schools Government CU 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
-
40400 Garfield Road, Clinton Township, Michigan 48038, US
Clinton Township, MI 48038 USA - (866) 674-2848
- Visit Site
- Email Support
About Michigan Schools Government CU 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
| Cash Advance Fee Minimum | 0 |
| Cash Advance Fee (%) | 0 |
| Minimum Cash Advance Fee ($) | 0 |
| 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 | Up to 25 |
| Paper Statement Fee | 2 |
| Late Fee Amount | Up to 25 |
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