The WSECU Create® Visa® Credit Card is designed for individuals who are new to credit or looking to establish a solid credit history. With features that encourage responsible financial habits, this card offers a supportive path to building credit without the burden of high fees.
With a fixed APR of 19.50% and a credit limit ranging from $250 to $2,500, the WSECU Create® Visa® provides a manageable and predictable credit experience. Its unique rate reduction feature rewards on-time payments, making it an ideal choice for credit newcomers.
Continue reading to discover how the WSECU Create® Visa® Credit Card can be a valuable tool in your financial journey.
Meet the Issuer
Washington State Employees Credit Union (WSECU) is a member-owned financial cooperative committed to serving its community with a range of financial products and services. With a focus on financial wellness, WSECU provides tools and resources to help members make informed financial decisions.
Established to serve the financial needs of Washington state employees, WSECU has expanded its membership to include a broader community, offering personalized services and competitive financial products.
By choosing WSECU, members benefit from a trusted institution dedicated to their financial success and community development.
Main Benefits of the Card
- Interest Rate Reduction: Earn a 0.25% APR reduction for every six months of on-time payments, up to a maximum of 2%.
- No Annual Fee: Enjoy the benefits of the card without any annual charges.
- Credit Limit: Start with a manageable credit limit ranging from $250 to $2,500, helping you build credit responsibly.
- Tiered Late Fees: First late payment fee is $10, second is $20, and subsequent late payments are $25, making it more forgiving for new credit users.
- Visa® Benefits: Access to Auto Rental Collision Damage Waiver, Roadside Dispatch®, and global customer assistance services.
Wsecu Create : Fees and Commissions
The WSECU Create® Visa® Credit Card has no annual fee and no balance transfer fee. The standard APR is 19.50%, which can decrease by up to 2% with consistent on-time payments.
Please note that all fees and rates are subject to change without prior notice. Always refer to the official WSECU website for the most up-to-date information.
Card Limit
Credit limits range from $250 to $2,500, providing a controlled environment for new credit users to manage their spending and build credit history.
WSECU may periodically review your account and consider credit limit increases based on your creditworthiness and payment history.
Positive points
- Credit-Building Focus:Designed specifically to help individuals establish and improve their credit scores.
- Interest Rate Incentives:Rewards responsible behavior with APR reductions over time.
- Low Fees:No annual or balance transfer fees, and tiered late fees are more forgiving for beginners.
Negative points
- Limited Credit Limit:Maximum credit limit of $2,500 may not suit those seeking higher spending capacity.
- No Rewards Program:Does not offer cash back or points on purchases.
- APR Starts at 19.50%:While it can decrease with on-time payments, the starting APR is relatively high.
How to Apply for Wsecu Create Credit Card
- Visit the official WSECU Create® Visa® Credit Card page.
- Click on “Apply Now” and complete the online application form with your personal and financial information.
- Submit the application and await a decision, which is typically provided promptly.
- If approved, your card will be mailed to your address. Activate it upon receipt and start building your credit.
How to Contact Wsecu Create
If you have questions or require assistance regarding the WSECU Create® Visa® Credit Card, you can reach out through the following channels:
- Phone: Call 800-562-0999 for customer support.
- Branch Visit: Stop by a local WSECU branch for in-person assistance.
- Online Chat: Access the chat feature on the official WSECU website for real-time support.
The WSECU Create® Visa® Credit Card offers a supportive platform for individuals new to credit, providing tools and incentives to build a strong credit history. With its focus on financial wellness and member-friendly features, it’s an excellent choice for those embarking on their credit journey.
