NIH FCU Visa Platinum Secured Credit Card
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| Purchase APR (Variable APR) |
8.99% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
8.99% (Verified 08/04/2023) |
| Credit Score Range | 300 - 550 |
| Annual Fee | $0 |
NIH FCU Visa Platinum Secured Credit Card Review
This is a secured credit card card issued by NIH Federal Credit Union. If you're wondering whether NIH FCU Visa Platinum Secured Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. NIH FCU Visa Platinum Secured Credit Card has a variable purchase APR of 8.99%
- 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.
- 2% Balance transfer fee. NIH FCU Visa Platinum Secured Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $10.
- 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.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of NIH FCU Visa Platinum Secured Credit Card
| The Good | The Bad |
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NIH FCU Visa Platinum Secured Credit Card FAQ
Does NIH FCU Visa Platinum Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the NIH FCU Visa Platinum Secured Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for NIH FCU Visa Platinum Secured 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.NIH FCU Visa Platinum Secured Credit Card has a variable purchase APR of 8.99%. The card has a variable balance transfer APR of 8.99% . It also has a variable cash advance APR of 8.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does NIH FCU Visa Platinum Secured Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does NIH FCU Visa Platinum Secured 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 NIH FCU Visa Platinum Secured Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | Starting at $ up to $25 |
| Late Payment Fee | Starting at 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 NIH FCU Visa Platinum Secured Credit Card have a foreign transaction fee?
NIH FCU Visa Platinum Secured 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 NIH FCU Visa Platinum Secured Credit Card?
The NIH FCU Visa Platinum Secured Credit Card customer service number is (800) 877-6440.
What is the support contact email for NIH FCU Visa Platinum Secured Credit Card?
The support contact email for NIH FCU Visa Platinum Secured Credit Card is nihfcu@nihfcu.org.
What is the NIH FCU Visa Platinum Secured Credit Card login page?
You can access the NIH FCU Visa Platinum Secured Credit Card login page here.
How do people rate the customer service and user experience of NIH FCU Visa Platinum Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does NIH FCU Visa Platinum Secured Credit Card report your account activity to credit bureaus?
Yes, NIH FCU Visa Platinum Secured 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 NIH FCU Visa Platinum Secured Credit Card
- Visit the NIH FCU Visa Platinum Secured 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
-
111 Rockville Pike Suite 500
Rockville, MD 20850 USA - (800) 877-6440
- Visit Site
- Email Support
Other Services by NIH Federal Credit Union
Other Credit Cards by NIH Federal Credit Union
Availability
- Maryland
- Washington, DC
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 2% |
| Minimum Cash Advance Fee ($) | $10 - $75 |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $25 |
| Paper Statement Fee | $5 |
| Late Fee Amount | Up to $25 |
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