Northwest Community Credit Union of Oregon Visa Share Secured Credit Card
in Personal Credit Cards from Northwest Community Credit Union of Oregon
UnaffiliatedNorthwest Community Credit Union of Oregon Visa Share Secured Credit Card
in Personal Credit Cards from Northwest Community Credit Union of Oregon
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| Purchase APR (Fixed APR) | 14.90 |
| Balance Transfer APR (Fixed APR) | 14.90 |
| Credit Score Range | 500 - 850 |
| Annual Fee | $0 |
Northwest Community Credit Union of Oregon Visa Share Secured Credit Card Review
This is a secured credit card credit card issued by Northwest Community Credit Union of Oregon. If you're wondering whether Northwest Community Credit Union of Oregon Visa Share Secured Credit Card 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.
- Competitive APRs. Northwest Community Credit Union of Oregon Visa Share Secured Credit Card has a fixed purchase APR of 14.90%
- 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.
- 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 good approval odds.
| The Good | The Bad |
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Does Northwest Community Credit Union of Oregon Visa Share Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Northwest Community Credit Union of Oregon Visa Share Secured Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Northwest Community Credit Union of Oregon Visa Share 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. It has lower than average regular APRs.It has a fixed purchase APR of 14.90%. The card has a fixed balance transfer APR of 14.90% . It also has a fixed cash advance APR of 14.90% .
Does Northwest Community Credit Union of Oregon Visa Share 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 Northwest Community Credit Union of Oregon Visa Share 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 Northwest Community Credit Union of Oregon Visa Share Secured Credit Card?
The following fees apply:
- An overlimit fee of $25.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $25 |
| 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 Northwest Community Credit Union of Oregon Visa Share Secured Credit Card have a foreign transaction fee?
Northwest Community Credit Union of Oregon Visa Share 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 Northwest Community Credit Union of Oregon Visa Share Secured Credit Card?
The Northwest Community Credit Union of Oregon Visa Share Secured Credit Card customer service number is (800) 452-9515.
Does Northwest Community Credit Union of Oregon Visa Share Secured Credit Card report your account activity to credit bureaus?
Yes, Northwest Community Credit Union of Oregon Visa Share 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 Northwest Community Credit Union of Oregon Visa Share Secured Credit Card
- Visit the Northwest Community Credit Union of Oregon Visa Share 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
-
545 East 8th Avenue
Eugene, OR 97401 - (800) 452-9515
- Visit Site
About Northwest Community Credit Union of Oregon Visa Share Secured Credit Card
Availability
- 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 | $0 |
| No Interest Grace Period for Late Payment | 23 days |
| Cash Advance Fee Minimum | 3 |
| Cash Advance Fee (%) | 1.50 |
| Minimum Cash Advance Fee ($) | 3 |
| Foreign Currency Transaction Fee | 1 |
| Over-Limit Fee | 25 |
| Returned Payment Fee | Up to 25 |
| Paper Statement Fee | 2 |
| Additional Card Fee Amount | 5 |
| Late Fee Amount | Up to 25 |
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