Secured credit cards are suitable for consumers that have experienced issues with managing their credit card debt in the past. Because this credit card can be secured with the amount of money you have in your KEMBA Financial Credit Union bank account, approval and credit card activation occur faster. But be careful when applying for secured credit cards, as the South Carolina Department of Consumer Affairs has released a warning to consumers that have been targeted for secured credit card scams.
You can compare credit card options for consumers with bad credit for FREE with the credit chaser tool on this page!
The KEMBA Financial Credit Union Share Secured Visa credit card may no longer be offered. Specific information on credit limits, interest rates, and fees were not located, so general information on terms on other Visa credit cards carried by KEMBA Financial Credit Union will be discussed here instead.
KEMBA FCU Share Secured Visa Credit Card Benefits
The KEMBA Financial Credit Union Share Secured Visa allows consumers to get access to credit when it would not normally be available.
This secured credit card cannot go over the credit limit, nor have a penalty interest rate imposed. A one-time activation fee may be required by KEMBA Financial Credit Union.
There is no way to be denied for a KEMBA FCU Share Secured Visa credit card if you are a member of this financial institution and have an active account. Credit limit increases will be given to cardholders when requested, as long as there is enough money in the cardholder’s account to cover the total credit line.
KEMBA FCU Share Secured Visa Credit Card Details
All Visa credit cards from KEMBA FCU charge from 7.99% to 13.99% in interest. Rates for cash advances are set at 16.99%. All purchases made with the KEMBA Financial Credit Union Share Secured Visa are protected under the Visa Fraud Protection policy.
Applications for the KEMBA FCU Share Secured Visa are processed over the Web, at local credit union branches, and over the phone. This is not an instant approval credit card, but the status of pending applications can be checked via the online portal or through a customer service phone call.
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