State Employees Credit Union Visa Credit Card
in Personal Credit Cards from State Employees Credit Union
UnaffiliatedState Employees Credit Union Visa Credit Card
in Personal Credit Cards from State Employees Credit Union
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| Purchase APR (Variable APR) | 8.75% |
| Balance Transfer APR (Variable APR) | 8.75% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
State Employees Credit Union Visa Credit Card Review
This is a credit card issued by State Employees Credit Union. If you're wondering whether State Employees Credit Union Visa 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. State Employees Credit Union Visa Credit Card has a variable purchase APR of 8.75%
- 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 oods if your credit score is above600.
| The Good | The Bad |
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Does State Employees Credit Union Visa Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the State Employees Credit Union Visa Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for State Employees Credit Union Visa 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. It has lower than average regular APRs.It has a variable purchase APR of 8.75%. The card has a variable balance transfer APR of 8.75% . It also has a variable cash advance APR of 8.75% .
Does State Employees Credit Union Visa Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does State Employees Credit Union Visa 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 State Employees Credit Union Visa Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | $5 |
| Late Payment Fee | $5 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does State Employees Credit Union Visa Credit Card have a foreign transaction fee?
State Employees Credit Union Visa 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.Does State Employees Credit Union Visa Credit Card report your account activity to credit bureaus?
Yes, State Employees Credit Union Visa 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 State Employees Credit Union Visa Credit Card
- Visit the State Employees Credit Union Visa 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
-
1000 Wade Ave
Raleigh, NC 27605 - Visit Site
Other Services by State Employees Credit Union
Availability
Feature Breakdown
| Cash Advance Fee Minimum | $0 |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 21 days |
| Foreign Currency Transaction Fee | 1% |
| Returned Payment Fee | $5 |
| Late Fee Amount | $5 |
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