Based out of El Paso, Texas, the FirstLight Federal Credit Unionhas provided consumer-banking services since the mid 1950s. The only thing that you need to do to qualify for the FirstLight Federal Credit Union Secured Visa Platinum card is to become a FirstLight FCU member. These secured credit cards have a credit limit cap of $20,000.
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The FirstLight FCU has had a file with the Better Business Bureau since 2002, and currently has an A+ rating. Besides needing to be a FirstLight Federal Credit Union member, there are few other requirements that need to be met when you apply for secured credit cards.
FirstLight FCU Secured Visa Platinum Terms
The FirstLight Federal Credit Union advertises the FirstLight FCU Secured Visa Platinum as a credit card to help rebuild credit. Secured credit cards such as these are also a good choice for consumers that have recently gone bankrupt or have had other severe credit related issues. Although the maximum credit limit is $20,000, a cash deposit is necessary. As little as $200 can be used to secure the FirstLight FCU Secured Visa Platinum.
FirstLight Federal Credit Union Secured Visa Platinum cardholders don’t have access to a rewards program, but they do have the added benefit of improving their credit. This line of secured credit cards has one of the highest credit limits currently offered in the industry.
FirstLight FCU Secured Visa Platinum Fees
Cardholders pay a flat rate of 13.9% interest on the FirstLight FCU Secured Visa Platinum credit card. A $25 late fee can be applied to any credit card account that makes a late payment; however, secured credit cardholder must try diligently to avoid this.
Cash advances made with the FirstLight Federal Credit Union Secured Visa Platinum, but the same 13.90% interest rate will be applied. It is possible to have the FirstLight Federal Credit Union Secured Visa Platinum credit card graduated to an unsecured credit card after a history of on time payments has been established.
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