The Lower East Side People's FCU is a personal credit card from Lower East Side People's FCU. The annual fee is $0. The ongoing APR is 18% APR* after a 0% introductory APR on purchases only introductory rate for 6 months. Approval typically requires a credit score of No minimum credit score required or higher. Rewards: Earn points through the ScoreCard Reward program. Typical credit limit: Up to $20,000. Loan terms: Amount up to $20,000. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN.