in Personal Credit Cards from Oriental Bank
UnaffiliatedOriental Bank MasterCard Secured Credit Card
in Personal Credit Cards from Oriental Bank
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| Purchase APR (Variable APR) | 14.7 |
| Balance Transfer APR (Variable APR) | 14.7 |
| Credit Score Range | 500 - 850 |
| Annual Fee | $0 |
Oriental Bank MasterCard Secured Credit Card Review
This is a secured credit card credit card issued by Oriental Bank. If you're wondering whether Oriental Bank MasterCard 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. Oriental Bank MasterCard Secured Credit Card has a variable purchase APR of 14.7%
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.
- 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.
| The Good | The Bad |
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Does Oriental Bank MasterCard Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Oriental Bank MasterCard Secured Credit Card benefits?
It provides the following benefits:
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Oriental Bank MasterCard 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.Oriental Bank MasterCard Secured Credit Card has a variable purchase APR of 14.7%. The card has a variable balance transfer APR of 14.7% . It also has a variable cash advance APR of 22.74% .
Does Oriental Bank MasterCard 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 Oriental Bank MasterCard Secured Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 1.99 |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 1.99% on qualified purchases for a period of up to 6 months.
What are the fees for Oriental Bank MasterCard Secured Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | $10 |
| Late Payment Fee | up to $35 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Oriental Bank MasterCard Secured Credit Card have a foreign transaction fee?
Oriental Bank MasterCard 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 support contact email for Oriental Bank MasterCard Secured Credit Card?
The support contact email for Oriental Bank MasterCard Secured Credit Card is [email protected].
How do people rate the customer service and user experience of Oriental Bank MasterCard Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Oriental Bank MasterCard Secured Credit Card report your account activity to credit bureaus?
Yes, Oriental Bank MasterCard 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 Oriental Bank MasterCard Secured Credit Card
- Visit the Oriental Bank MasterCard 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
-
Las Vistas Shopping Village, Río Piedras
San Juan, PR 00926 - Visit Site
- Email Support
About Oriental Bank MasterCard Secured Credit Card
Feature Breakdown
| Introductory Rate | 1.99 |
| Purchase Intro APR Period (Variable APR) | 6 months |
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