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The WSECU Low Rate credit card is a practical and widely economical payment method. With it, you can make your purchases and payments anywhere that accepts the Visa brand without worrying about high-interest rates.
The benefits don’t stop there, as the card also offers a range of perks to make your experience even more complete. If your goal is to save money and acquire benefits, this is the perfect option.
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Want to know more about how this WSECU option can transform your financial life with one of the most affordable rates on the market? Keep reading and discover all the details about this incredible card!
About the Issuer
WSECU (Washington State Employees Credit Union) is a credit union founded in 1957. Initially created to serve Washington state employees, it is now open to all state residents.
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WSECU’s mission is to offer accessible and high-quality financial services to its members, always focusing on community well-being. By choosing a WSECU credit card, you are opting for an institution that reinvests profits into benefits for its members.
WSECU is not just a financial institution but a true partner in its members’ financial journey. With a wide range of products and services, the credit union stands out for its transparency, reliability, and commitment to the financial development of its members.
Benefits
Low-Interest Rates: The WSECU Low Rate Visa offers one of the lowest interest rates on the market, varying according to your credit score.
No Balance Transfer Fees: Transfer your balance from other cards without paying additional fees, perfect for those who want to consolidate debts and save.
Fraud Protection: Enjoy the security of having a card that monitors suspicious activities and offers fraud protection, ensuring your transactions are always safe.
Car Rental Insurance: Rent a car with peace of mind knowing you are covered by the insurance offered by your WSECU Low Rate card.
Emergency Cash Disbursements: Access emergency cash when needed, an important advantage for unexpected situations.
Global Assistance Services: Count on 24/7 support anywhere in the world, perfect for frequent travelers.
Additional Benefits: While the focus is on the low-interest rate, the card still offers reward programs and standard Visa benefits, such as roadside assistance and other services.
WSECU Low Rate – Fees and commissions
The WSECU Low Rate card has a transparent approach regarding rates and fees. Currently, there is no annual fee, and the introductory balance transfer fee is 0%.
The annual percentage rate (APR), which refers to the interest paid on overdue balances, ranges from 11.50% to 23.00%. For cash advances, there is a fee of 2% of the advanced amount, with a limit of up to $25.00.
A very positive point about this credit card is that there are no fees for purchases abroad. This way, you can buy your favorite products with convenience and savings.
The WSECU Low Rate Visa is known for its competitive rates. However, it is important to remember that rates can change without prior notice. Therefore, it is always recommended to check the latest conditions on the bank’s website.
Card limit
The credit limit of the WSECU Low Rate card varies according to the individual credit analysis of each applicant. When applying for the card, WSECU considers several factors such as credit history, income, and repayment capacity to determine a limit suitable for your financial circumstances.
According to the bank itself, the credit limit granted with this card ranges from $250.00 to $50,000. If you apply for the card and receive a low initial limit, this can be adjusted over time.
Additionally, WSECU offers online tools for users to monitor and manage their credit limit efficiently. This personalized approach helps ensure that each cardholder has a limit that meets their individual needs.
Positive points
- COMPETITIVE RATES:The initial 0% interest rate for balance transfers is a significant advantage.
- FLEXIBLE CREDIT:The variable credit limit allows you to get the amount that best suits your needs.
- ZERO ANNUAL FEE:The absence of an annual fee is an important benefit for users.
Negative points
- ELIGIBILITY REQUIREMENTS:The card may be more suitable for those who pay more than the minimum payment but less than the total balance.
- STANDARD RATES AFTER INTRODUCTORY PERIOD:After the first six months, the interest rate may increase.
- CASH ADVANCE FEES:The bank charges fees for cash advances.
How to apply for WSECU Low Rate
To apply for the WSECU Low Rate Visa, follow these steps:
- Visit the WSECU website and locate the Low Rate card page;
- Check all the information about this payment method and click on “Apply Now“;
- Log in to the site or register;
- Fill out the application form with your personal and financial information, including name, income, address, date of birth, among others;
- Wait for the analysis and approval of your application. If the card is approved, you will receive it at home.
How to contact WSECU
WSECU is always available to assist its customers with any questions or to help with their product applications. Check out the main contact channels for the bank below:
- Chat available on the official website;
- Phone: 800 562 0999.
If you are looking for a credit card that combines low-interest rates with a range of practical benefits, the WSECU Low Rate Visa is a smart choice. Don’t waste time; apply today and start saving!
