OE FCU Steel Share Secured Credit Card
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| Purchase APR (Variable APR) | 8.98 |
| Balance Transfer APR (Variable APR) | 8.98 |
| Credit Score Range | 500 - 850 |
| Annual Fee | $0 |
OE FCU Steel Share Secured Credit Card Review
This is a secured credit card rewards card issued by OE Federal Credit Union. If you're wondering whether OE FCU Steel Share Secured Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. OE FCU Steel Share Secured Credit Card has a variable purchase APR of 8.98%
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of OE FCU Steel Share Secured Credit Card
| The Good | The Bad |
|---|---|
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OE FCU Steel Share Secured Credit Card FAQ
Does OE FCU Steel Share Secured Credit Card have a cash back or rewards program?
OE FCU Steel Share Secured Credit Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does OE FCU Steel Share Secured Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does OE FCU Steel Share Secured Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for OE FCU Steel 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. This card has lower than average regular APRs.OE FCU Steel Share Secured Credit Card has a variable purchase APR of 8.98%. The card has a variable balance transfer APR of 8.98% . It also has a variable cash advance APR of 8.98% . Note that late payments are subject to an APR of 17.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does OE FCU Steel 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 OE FCU Steel 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 OE FCU Steel Share Secured 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 $20 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does OE FCU Steel Share Secured Credit Card have a foreign transaction fee?
OE FCU Steel 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 OE FCU Steel Share Secured Credit Card?
The OE FCU Steel Share Secured Credit Card customer service number is (800) 877-4444.
What is the support contact email for OE FCU Steel Share Secured Credit Card?
The support contact email for OE FCU Steel Share Secured Credit Card is oemail@oefcu.org.
What is the OE FCU Steel Share Secured Credit Card login page?
You can access the OE FCU Steel Share Secured Credit Card login page here.
How do people rate the customer service and user experience of OE FCU Steel Share Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does OE FCU Steel Share Secured Credit Card report your account activity to credit bureaus?
Yes, OE FCU Steel 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 OE FCU Steel Share Secured Credit Card
- Visit the OE FCU Steel 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
-
250 North Canyons Parkway
Livermore, CA 94551 USA - (800) 877-4444
- Visit Site
- Email Support
About OE FCU Steel Share Secured 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 | 0.01 |
| Over-Limit Fee | 0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to 25 |
| Late Fee Amount | Up to 20 |
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