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About Our Ratings

ESL Visa® Secured Credit Card Review

ESL Visa® Secured Credit Card details

Balance Transfer Intro APR:
None
Balance Transfer Intro Period:
APR:
None
Balance Transfer Fee:
None
Annual Fee:
None
see more details ∨

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 prime
 
 
Margin:
 11
 11
 11
APR:
  14.25% Variable
 14.25% Variable
 14.25% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 None
 None
 None
Intro Period:
 None
 None
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 18% Fixed
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 
Maximum Default APR:
 Fixed
Penalty/Default Trigger:
 This APR may be applied to your account if your minimum monthly payment is not made for two consecutive billing cycles.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 1%
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
None  


Notes:

Rebate Description:
 N/A
Special Notes:
 Must be an ESL Federal Credit Union member. ESL Visa Secured Credit Card is a practical option for establishing or restoring credit. Your credit line is based on the amount of money you deposit as collateral in an ESL Secured Credit Card Savings Account. Grace period is at least 25 days after the close of each billing cycle. The card company will not charge you interest on purchases if you pay the entire balance by the due date each month. International Service Assessment Fee: 1% of transaction amount. Penalty APR: 18%; If your APRs are increased for the reason stated, the Penalty APR will be applied until the billing cycle after your past due status is corrected.
Credit Card More Information:

Card Issued By:
 ESL FCU
General Correspondence Address:
 100 Kings Hwy
Card Type:
 Visa
Card Class:
 Other
Card Category:
 Balance Transfer, Low Intro Rate
States Available In:
 NY
Minimum Credit Limit:
 $300 min.
Maximum Credit Limit:
 $1000 max.
Credit Limit Notes:
 

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About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

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