Getting a credit card has become more and more difficult over the last several years. If you are in a situation where you need a credit card but have been unsuccessful in getting approved, you should consider a secured credit card from the San Diego County Credit Union (SDCCU). With a reasonable annual percentage rate, no annual fee, and the ability to use the card anywhere Visa is accepted, the SDCCU Visa Share Secured credit card may be the right choice for you.
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In addition to the Shared Secured Visa card, the SDCCU also offers a Visa Platinum card for individuals with a good credit score and history. If you apply for the Platinum card and get denied, you should consider the Shared Secured credit card.
Rates and Fees for the SDCCU Secured Visa Credit Card
The annual percentage rate for the Shared Secured Visa from SDCCU depends on your credit score and credit history, and can be as low as 15%. This is also the rate for any balance transfers and cash advances.
However, you should be careful using a secured credit card to transfer a balance, as it may be more advantageous to simply pay off your high interest card instead of sending an initial deposit to fund your secured card.
The Better Business Bureau is an excellent resource to learn more about balance transfers and other information about credit cards. You can also find information on how to pay your credit card balances off sooner by visiting the Better Business Bureau website.
As mentioned earlier, there is no annual fee for the SCDDU Shared Secured Visa credit card. If you are late with a payment, or have a payment returned due to insufficient funds, you may be charged a fee of up to $20.
Additional Services offered by SDCCU
In addition to the two credit cards, SDCCU also offer many more banking services, such as loans, mortgages, insurance, and investments. There are 28 credit union branches located throughout San Diego County, Orange County, and Riverside County, California.
Using credit cards isn’t necessarily a bad idea. Find out more about all the credit cards available by searching for FREE!
- San Diego County Credit Union Visa Platinum Credit Card
- City County Credit Union of Fort Lauderdale Visa Secured Credit Card
- City County Credit Union of Fort Lauderdale Visa Rebuilder Credit Card
- City County Credit Union of Fort Lauderdale Platinum Visa Credit Card
- HAPO Community Credit Union Visa Shared Secured Credit Card
- FirstLight Federal Credit Union Secured Visa Platinum Credit Card
- First Community Credit Union Visa Platinum Credit Card