CSE Visa® Platinum Credit Card

CSE Visa® Platinum Credit Card Review

This is a card issued by Canton Schools Employees FCU. If you're wondering whether CSE Visa® Platinum Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. CSE Visa® Platinum Credit Card has a fixed purchase APR that ranges from 8.25% up to 18%.
• No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of CSE Visa® Platinum Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.99%. No balance transfer fee. No annual fee. Identity Theft Protection. Considers applicants with fair credit. CSE Visa® Platinum Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

CSE Visa® Platinum Credit Card FAQ

Does CSE Visa® Platinum Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the CSE Visa® Platinum Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for CSE Visa® Platinum Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

CSE Visa® Platinum Credit Card has a fixed purchase APR that ranges from 8.25% up to 18%. The card has a fixed balance transfer APR that ranges from 8.25% up to 18%. It also has a fixed cash advance APR that ranges from 8.25% up to 18%.

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for CSE Visa® Platinum Credit Card?

The following fees apply:

• There is no overlimit fee

CSE Visa® Platinum Credit Card Fees

Description
Cash Advance Fee Minimum	$0
Cash Advance Fee (%)	0%
Minimum Cash Advance Fee ($)	$0
Foreign Currency Transaction Fee	1%
No Annual Fee?
Annual Fee	$0
Over-Limit Fee	$0
No Interest Grace Period for Late Payment	25 days
Returned Payment Fee	Up to $25
Late Fee Amount	Up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does CSE Visa® Platinum Credit Card report your account activity to credit bureaus?

Yes, CSE Visa® Platinum Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for CSE Visa® Platinum Credit Card

• Visit the CSE Visa® Platinum Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.