Most secured credit cards only require applicants to pay a deposit and meet certain income and age criteria, but the Barksdale Federal Credit Union Platinum Visa Share Secured credit card has additional restrictions. You must first be a member of the Barksdale Federal Credit Union in order to receive this credit card. These rewards credit cards give consumers with low credit scores access to the same incentives that more established customers receive.
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The Federal Reserve defines secured credit cards as a group of personal credit cards made for consumers that pose a higher credit risk. While many consumers with secured credit cards use them to raise their credit scores quickly, even those that are financially secure regularly rely on them to keep their credit card debt in check.
Barksdale Federal Credit Union Platinum Visa Secured Card Details
The Barksdale Federal Credit Union does not indicate the total amount of credit that Barksdale Federal Credit Union Platinum Visa Share Secure cardholders can take out. However, these secured credit cards have a low 7.9% annual interest rate. The Barksdale Federal Credit Union allows secured credit cardholders to move balances from other credit cards over at the same interest rate.
Because these secured credit cards are associated with the Uchoose Rewards program, cardholders are able to earn points with no limitations. Secured credit cardholders need only to keep their high balances below their total amount of credit available to keep their accounts open.
Barksdale Federal Credit Union Platinum Visa Secured Card Fees
Since the Barksdale Federal Credit Union Platinum Visa Share Secure credit card is only issued to members, cardholders do not need to send in a cash deposit. Account holders may receive a credit limit that is not above the amount that they currently have deposited in their bank accounts.
Purchases made with the Barksdale Federal Credit Union Platinum Visa Share Secure card are compounded at 7.9%, which makes this one of lowest interest secured credit cards available. New cardholders are not charged any of the setup fees normally associated with secured credit cards.
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