Last Updated: 07/28/2025
PSFCU Choice Secured Credit Card
Unaffiliated
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
14.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
300 - 550
Annual Fee
$0
PSFCU Choice Secured Credit Card Review
This is a secured 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
- APRs: PSFCU Choice Secured Credit Card has a variable regular 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.
- A 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 can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of PSFCU Choice Secured Credit Card
| The Good | The Bad |
|
|
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 customer service number for PSFCU Choice Secured Credit Card 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 login page for PSFCU Choice Secured Credit Card?
You can access the login page of PSFCU Choice Secured Credit Card 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 to the following credit bureaus:
- 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 build your credit.
Does Polish and Slavic Federal Credit Union perform a hard credit pull?
Yes, PSFCU Choice Secured Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for PSFCU Choice Secured Credit Card
- Visit the website of PSFCU Choice Secured Credit Card.
- 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.
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