The Numerica Credit Union Visa Share Secured card, also known as the Numerica Credit Union Secured Visa, is a secured credit card available to established and new credit union members. News sources such as the New York Times have reported that financial institutions tend to deny secured credit card applicants that have recently filed for bankruptcy or have an outstanding delinquent account with the creditor. While Numerica Credit Union does not state what its credit requirements are, it is recommended that you keep all of your associated accounts in good standing when applying for a credit card.
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The Numerica Credit Union Visa Share Secured credit card has a 17.9% interest rate, which may appear to be quite high to consumers with good credit, but this is a fairly standard rate within this credit card group. This is the rate that applies to cash advances, regular everyday purchases, and balance transfers.
Numerica Credit Union Visa Share Secured Credit Card Fees
Numerica Credit Union calculates credit card late fees at 5% of the total monthly payment, with a maximum of $25 being collectible per instance. The fee charged for foreign transactions fluctuates between .8% and 1% interest, depending on whether U.S. or foreign currency was used at the time of purchase.
Cardholders are charged $25 when any monthly credit card payment is returned or cannot be processed.
There is a default interest rate on this credit card, which is 18%.
Numerica Credit Union Visa Share Secured Credit Card Benefits
All Numerica Credit Union Visa Secured credit cardholders generally have 10 grace days between the due date and the day that late payment fees become applicable. A deposit that is equal to the amount of your approved credit card credit line amount will be required before your application will be accepted. It appears that few, if any, credit card activation fees are charged.
For consumers working to rebuild their credit, the Numerica Credit Union Visa Share Secured line of credit cards is a great choice. Individuals that are not eligible to join this credit union may be able to receive the Numerica Credit Union Visa Share Secured card if their spouses or relatives are current members.
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