Few secured credit cards offer consumers both a low APR and a minimal deposit, but the Merced School Employees Federal Credit Union Visa Share Secured credit card has this and more exclusive benefits. Featuring an accident travel insurance plan that gives cardholders up to $250,000 in protection, the Merced School Employees FCU Visa Share Secured card helps authorized users to build and repair their credit.
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The California Department of Consumer Affairs, in its “A to Z Guide to Credit Cards,” explains how secured credit cards are best used and what types of consumer groups benefit from them. Although secured credit cards like the Merced School Employees FCU Visa Share Secured card are mainly used for credit rebuilding purposes, any person that has an account with Merced School Employees FCU can be approved.
Merced School Employees FCU Visa Share Secured Credit Card Details
Cardholders have 25 days before their minimum monthly payments are due, as well as access to an online credit card payment system.
Since you can only charge as much money as you have deposited in your Merced School Employees FCU savings account, there is no way to go over your credit limit.
This secured credit card has a non-variable 8.25% interest rate. There may also be an application fee.
After being approved for and maintaining your Merced School Employees Federal Credit Union Visa Share Secured credit card, you may qualify for an unsecured credit card.
Merced School Employees FCU Visa Share Secured Credit Card Perks
Membership in the ScoreCard Rewards credit card program is included with the Merced School Employees FCU Visa Share Secured card. Cash advances are also available at no cost, with some limitations. The Merced School Employees FCU doesn’t charge a yearly fee for this credit card.
Anytime that you add more money to your Merced School Employees FCU Visa Share Secured card, your credit limit will automatically be increased. As this is a Visa branded credit card, it comes attached to the Verified by Visa program. This gives cardholders an added layer of security when they use their credit cards online to make purchases.
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