S.A.F.E. Credit Union Visa Share Secured Credit Card

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S.A.F.E. Credit Union Visa Share Secured Credit CardA secured credit card like this Visa offered to members of the S.A.F.E. Credit Union is a special type of credit card. It is meant for people that have no real credit history or have already done significant damage to their credit score. A secured card is a great way to get your credit score back to where you want it to be.

Begin repairing your credit score today for FREE by finding the best secured credit card!

A secured credit card teaches the cardholder to be responsible with making payments on time and limiting the amount of debt by having them put down a security deposit first. If the cardholder has damaged their credit score with high balances and charged-off cards, there is still a lot they can do to fix their score. The Suze Orman site has great information on how to handle charged-off accounts.

S.A.F.E. Credit Union Visa Share Secured Rates

This special credit card has an annual percentage rate of 8.75% for cash advances, balance transfers, and purchases.

Compared to the majority of secured credit cards available today this is actually a very low interest rate.

This base interest rate could increase in the future if the country’s credit prime rate is increased.

There is also a penalty interest rate for this card. Many credit cards have a penalty interest rate, but cardholders can find themselves caught off guard if they were unaware of this special fee. This fee increases the cardholder’s interest rate if they do not pay their bill on time. In this case, the interest rate will be increased to 23.9%

S.A.F.E. Credit Union Visa Share Secured Fees

Unlike the other credit cards offered to the members of the S.A.F.E. Credit Union, this card has an annual fee. The annual fee for this card is $15. When it comes to transaction fees there is a 3% charge for cash advances, with a $10 minimum and a 1% foreign transaction fee.

Any late credit card payments will cost the cardholder up to $15. If the current minimum payment due is less than $15 they will be charged that amount instead. If a payment is returned, there will be a maximum fee of $10.

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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