Sometimes people find themselves in situations where it is difficult to get approved for a credit card. This can be for several reasons, including loss of employment, divorce, poor credit management, or financial difficulties. If you are looking for a credit card but have been turned down by several companies and banks, it may be best to look at secured credit card options, and Justice Federal Credit Union may have the ideal card for you.
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Since Justice FCU has several credit cards, you may want to look into the non-secured options first. If you had some credit challenges but were able to always make your payments on time, consider the Justice FCU Visa Classic Card. However, if you fell behind on payments and know that your credit score and history is preventing you from being approved, it may be time to look at a secured card.
Justice FCU Secured Visa Classic Credit Card Costs and Fees
While this is a no annual fee credit card you must make an initial deposit in order to be approved for the card. This is because secured credit cards require a deposit from the customer and use that as the credit limit. There is usually a minimum amount required in order for the card to become activated, ranging from $100 to $5,000.
The interest rate for the Justice FCU Secured Visa Classic card is fixed at 16.99%. Depending on your individual circumstances, your credit limit can actually be as high as 110% of your security deposit. This means that if you deposit $1,000, your credit limit may be $1,100.
While these costs may seem high, this is simply a way to help rebuild credit until you can qualify for an unsecured credit card.
Learn more about what a secured credit card is and what it offers from the Better Business Bureau’s information on “Secured Credit Cards.”
Justice FCU Secured Visa Classic Credit Card Benefits
With the Justice Secured Visa, you can access cash at many ATMs all over the country. The card will be accepted at any store or location that accepts Visa cards, and you are protected against unauthorized purchases made with your card if it has been reported lost or stolen.
If you are looking for the right credit card, use the simple and FREE credit card tool now!
- Justice Federal Credit Union Visa Classic Credit Card
- Justice Federal Credit Union Visa Gold Card
- Justice Federal Credit Union National Native American Law Enforcement Association Affinity Visa Credit Card
- Justice Federal Credit Union Visa Platinum Rewards Credit Card
- Justice Federal Credit Union National Executive Institute Associates Affinity Visa Credit Card
- Baton Rouge Telco Federal Credit Union Visa Classic Secured Credit Card
- Justice Federal Credit Union FBI-Law Enforcement Executive Development Associates Affinity Visa Credit Card