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Union Plus Secured Credit Card
The Union Plus Secured Credit Card Difference:
- Special credit card for those with poor credit or little/no credit history to help establish or re-establish credit
- Only Union Plus Credit Cards offer special financial hardship protections, including a disaster relief fund and disability grants
- All customer service calls answered in United States
- Special union member advocate helps union members with issues/concerns not resolved by bank
- Credit card provider helps fund the Union Plus Scholarship
Start with a clean slate.
Good news for union members who have little/no credit history or poor credit: The Union Plus Secured Credit Card offers an opportunity to establish or re-establish a clean credit record - and it's a better deal than other secured credit cards, which often charge high annual and other fees.
The card is granted to approved members who make a deposit in an interest-bearing savings account. After 18 months of on-time payments, members are eligible to be reviewed for the regular Union Plus Credit Card.
Secured Credit Card Features
- The Union Plus Secured Credit Card gets reported to the credit bureau as a regular credit card, so other creditors who review your credit will see that you were issued a major credit card - meaning you can build or repair your credit report
- Deposit anywhere between $250 and $5,000 in an interest-bearing Secured Credit Card savings account, then charge against this line of credit every month. Make sure to pay at least your minimum payment on time each month to build your credit.
- No application fees
- A competitive variable Annual Percentage Rate (APR)
- A low annual fee
- Eligibility to be considered for the regular Union Plus Credit Card after 18 months of on-time payments
Credit Education
Credit Education 101: Read these credit education tips to understand how credit works and if necessary, how to improve your credit score .
Eligibility
The Union Plus secured credit card program is available in the Unites States and territories. It is not available in Canada.
Who is eligible?
- All dues-paying labor union members
- Retired union members
- Spouse, domestic partner and children of union members
- Widows/widowers of union members
Customer Service
- All Union Plus Credit Card Customer Service calls answered by representatives in the United States. The card’s 24-hour personal customer service is available online or by phone (see numbers on the Union Plus Credit Card site).
- Union member advocates: Staffed by fellow union members, Union Privilege can provide extra help to Union Plus Credit Cardholders. To contact Union Plus advocates about concerns, please complete the Union Plus feedback form.
- You can access your online account management on unionpluscard.com to manage your Union Plus Credit Card account, view statements or even pay your bill online.
Member Comments
You can customize this area with your favorite benefits when you complete your profile. Plus you'll receive personalized benefits that interest you.
UNION PLUS BENEFITS
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Union Leader Materials
- Leaders can order free bulk materials by calling the Union Plus Leader Line at 1-800-472-2005 or 202-293-5330 (M-F, 8:30 - 4:30 pm ET) in the Washington, D.C. metro area.
- Place an ad or article about Secured Credit Card in your union publication(s).
- Create a link to all your union’s Union Plus benefits on your union’s Web site.
- Print a handy benefits guide and customize it with your local union’s name.
- Union membership doesn't cost - it pays! Do you and your members know how much (on average) they could save annually if they used the Union Plus discounts? Calculate your savings now.
On 03/16/11 anonymous said:
starting fresh with my credit .get good info back on the credit line i think i will givi a try.
On 02/12/11 anonymous said:
Great Annual Fee and Decent APR for a secured credit card.
On 02/02/11 Martin said:
Something needs to be clarified. ONLY UNION MEMBERS ARE ELIGIBLE TO OPEN A SECURED CREDIT CARD ACCOUNT. When it says "Spouse, domestic partner and children of union members", it doesn't mean they can open their own secured credit card account. It just means that the "Spouse, domestic partner and children of union members" can have their name added to the union members account.
On 02/01/11 anonymous said:
great card thanks ...
On 08/15/10 Joseph said:
Its a GREAT why to rebuild your credit!!!
On 04/11/10 Emanuel said:
a nice place to began to rebuild your credit without out of range fees.
On 04/05/09 anonymous said:
I BELIEVE THAT THE ORGANIZATION IS TRYING TO SOMETHING GOOD FOR THE MEMBERS
On 01/01/09 JOHN said:
I think this is a great credit card I had it once before and had no problems with it. Due to these econic times it helps after a layoff. My company laid me off two days after i came off sick leave that required hospital care. My insureance then expired and my very good credit got ruined with extremly high medical bills and other debt. This credit card helped me through these rough times. I recommend J. A. Zollner USW Local 1777 USW