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  PSFCU  Choice Secured Credit Card
PSFCU Choice Secured Credit Card Unaffiliated

PSFCU Choice Secured Credit Card

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Highlights
Purchase APR  (Variable APR) 14.99%
Balance Transfer APR  (Variable APR) 14.99%
Credit Score Range 300 - 550
Annual Fee $0

PSFCU Choice Secured Credit Card Review

This is a secured credit card credit card issued by Polish and Slavic Federal Credit Union. If you're wondering whether PSFCU Choice Secured Credit Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. PSFCU Choice Secured Credit Card has a variable purchase APR of 14.99%
  • 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.
  • 3% Balance transfer fee. PSFCU Choice Secured Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • 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 PSFCU Choice Secured Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Considers applicants with fair credit.
  • PSFCU Choice Secured Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.

PSFCU Choice Secured Credit Card FAQ

Does PSFCU Choice Secured Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the PSFCU Choice Secured Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Cell Phone Protection
  • Reports to major credit bureaus

What are the relevant APRs for PSFCU Choice 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.

PSFCU Choice Secured Credit Card has a variable purchase APR of 14.99%. The card has a variable balance transfer APR of 14.99% . It also has a variable cash advance APR of 14.99% .

Does PSFCU Choice 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 PSFCU Choice 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 PSFCU Choice Secured Credit Card?

The following fees apply:

PSFCU Choice Secured Credit Card Fees
Fees Amount
Annual Fee $0

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

What is the customer service phone number for PSFCU Choice Secured Credit Card?

The PSFCU Choice Secured Credit Card customer service number is (718) 610-3970.

What is the support contact email for PSFCU Choice Secured Credit Card?

The support contact email for PSFCU Choice Secured Credit Card is kontakt@psfcu.net.

What is the PSFCU Choice Secured Credit Card login page?

You can access the PSFCU Choice Secured Credit Card login page here.

How do people rate the customer service and user experience of PSFCU Choice Secured Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does PSFCU Choice Secured Credit Card report your account activity to credit bureaus?

Yes, PSFCU Choice 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 PSFCU Choice Secured Credit Card

  • Visit the PSFCU Choice 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 8:00pm
  • Tuesday 9:00am - 8:00pm
  • Wednesday 9:00am - 8:00pm
  • Thursday 9:00am - 8:00pm
  • Friday 9:00am - 8:00pm
  • Saturday 9:00am - 3:00pm

About PSFCU Choice Secured Credit Card

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View all credit cards offered by Polish and Slavic Federal Credit Union

Availability

  Available in 4 states
  • Illinois
  • New Jersey
  • New York
  • Pennsylvania

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 2%
Minimum Cash Advance Fee ($) Starting at $10
No Annual Fee
Annual Fee $0
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 550
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Cellular Telephone Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) 14.99%
APR Type Variable APR
Credit Limit Up to $10,000
Purchase APR (Variable APR) 14.99%
Balance Transfer APR (Variable APR) 14.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Secured
Card Network Visa

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