Phenix Pride FCU VISA Classic Credit Card
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| Purchase APR (Variable APR) | 16.90% |
| Balance Transfer APR (Variable APR) | 16.9% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Phenix Pride FCU VISA Classic Credit Card Review
This is a card issued by Phenix Pride Federal Credit Union. If you're wondering whether Phenix Pride FCU VISA Classic Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Phenix Pride FCU VISA Classic Credit Card has a variable purchase APR of 16.90%
- 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Phenix Pride FCU VISA Classic Credit Card
| The Good | The Bad |
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Phenix Pride FCU VISA Classic Credit Card FAQ
Does Phenix Pride FCU VISA Classic Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Phenix Pride FCU VISA Classic Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Phenix Pride FCU VISA Classic 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.Phenix Pride FCU VISA Classic Credit Card has a variable purchase APR of 16.90%. The card has a variable balance transfer APR of 16.9% . It also has a variable cash advance APR of 16.9% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Phenix Pride FCU VISA Classic Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Phenix Pride FCU VISA Classic 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 Phenix Pride FCU VISA Classic 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 Phenix Pride FCU VISA Classic Credit Card have a foreign transaction fee?
Phenix Pride FCU VISA Classic 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 Phenix Pride FCU VISA Classic Credit Card?
The Phenix Pride FCU VISA Classic Credit Card customer service number is (334) 291-3000.
What is the support contact email for Phenix Pride FCU VISA Classic Credit Card?
The support contact email for Phenix Pride FCU VISA Classic Credit Card is bridgewaycu@bridgewaycu.org.
What is the Phenix Pride FCU VISA Classic Credit Card login page?
You can access the Phenix Pride FCU VISA Classic Credit Card login page here.
How do people rate the customer service and user experience of Phenix Pride FCU VISA Classic Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Phenix Pride FCU VISA Classic Credit Card report your account activity to credit bureaus?
Yes, Phenix Pride FCU VISA Classic 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 Phenix Pride FCU VISA Classic Credit Card
- Visit the Phenix Pride FCU VISA Classic 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
-
1810 Opelika Road
Phenix, AL 36867 USA - (334) 291-3000
- Visit Site
- Email Support
About Phenix Pride FCU VISA Classic Credit Card
Availability
Feature Breakdown
| Cash Advance Fee Minimum | $2 |
| Minimum Cash Advance Fee ($) | Starting at $2 |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Over-Limit Fee | $25 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $25 |
| Paper Statement Fee | $12 |
| Late Fee Amount | Up to $25 |
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