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First City Credit Union Share Secured Visa Platinum Credit Card

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First City Credit Union Share Secured Visa Platinum Credit CardThe First City Credit Union Share Secured Visa Platinum credit card is a low interest credit card available to the members of First City Credit Union, or FCCU. FCCU serves the people of the Los Angeles and San Bernardino county areas.

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FCCU Share Secured Tied to Your Account

The FCCU Share Secured Visa Platinum is different from most credit cards. Credit cards are generally unsecured loans. This means there is no collateral for the loan, meaning no immediate means by which the lender can recoup its money if you default on payments. This is why interest rates on credit cards are usually so much higher than mortgages and auto loans, which have collateral.

The FCCU Share Secured Visa Platinum is different. It is secured by either a savings or a money market account. The balance of the account is the credit line of the card. However, FCCU offers the Share Secured Visa Platinum with no annual fee. The interest rate is actually lower than FCCU’s unsecured Visa Platinum at 7.25%.

If used wisely, a secured card can help rebuild your credit. It is important when looking for a secured card to avoid scam that could prove to be costly, according to the Federal Trade Commission (FTC).

Benefits of the FCCU Share Secured Visa Platinum

A secured credit card is usually used to establish credit. Sometimes it is difficult for someone with no credit history to get a credit card. A credit card which is secured helps such a person to establish credit. For someone who needs to rebuild or repair bad credit, a secured credit card could be a great tool, especially since some things, like airline tickets and car rentals, require credit cards.

The FCCU Share Secured Visa Platinum not only offers the benefits of a secured credit card, but also the perks of a platinum Visa. You’ll receive up to half a million dollars in travel accident insurance when you use the card to pay for travel expenses. The FCCU Share Secured Visa Platinum will also cover the collision repair expenses on your car rental and $15,000 of ID theft protection.

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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Less than $2,500 More than $2,500
Always Never Sometimes