VISA® Credit Cards
Do you have a credit card? Most of us do for whenever, whatever. But, is your card from someone you trust? We are here to answer your calls, take payments in person and truly want to save you money. Here's what's in it for you; fixed rates, no annual or balance transfer fees, online access to your accounts and the option to choose score card rewards and or cash back. Transfer your credit card balances with us and see the Positive Difference we can make for you. Which one of your cards will most benefit you?
| VISA Credit Cards | Platinum | Platinum Rewards | Share Secured | Student |
| Maximum credit Line |
$20,000 |
$20,000 | $10,000 | up to $300 |
| No Annual Fee | x | x | x | x |
| Help to Build Credit | x | x | ||
| Low, Fixed Rate (APR) | Intro Rate 6.90% | 10.90% | 7.75% | 14.90% |
| Pay Bill Online or any office | x | x | x | x |
| ScoreCard Rewards or CashBack | x | |||
| Free Balance Transfers | x | x | x | x |
| Open a New Loan of $5,000 or More and Receive 5,000 ScoreCard Reward Points | x | |||
| Transfer $5,000 From an Existing Card and Receive 5,000 ScoreCard Reward Points | x | |||
| Travel Accident Coverage Just by using your card, you're covered! |
x | x | ||
| Identity Theft Reimbursement Insurance | x | |||
| Travel Reservation Service | x | |||
| Access to www.ezcardinfo.com to view transactions and statements | x | x | x | x |
| Verified by VISA online security protection | x | x | x | x |
Are you ready to go forward responsibly with a VISA from us? Apply now!
Credit Card and Debt Management
+ Credit Card Payoff- Use this calculator to see what it will take to pay off your
credit card balance, and what you can change to meet your repayment goals.
+ Personal Debt Consolidation- Should you consolidate your debt? This calculator
is designed to help determine if debt consolidation is right for you.
|
Interest Rate and |
Platinum |
Platinum Rewards |
Platinum Share Secured |
|
Annual Percentage Rate APR for Purchases APR for Balance Transfers APR for Cash Advances |
6.90% after that, your APR will be 9.59% to 17.90% based on your creditworthiness |
10.90% fixed. |
7.75% fixed. |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on cash advances and balance transfers on the transaction date. | ||
|
For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://federalreserve.gov/creditcard | ||
|
Fees |
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Transactions Fees
|
1% of each transaction in U.S. dollars. |
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Penalty Fees
|
$25 $24 |
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How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)." See your account agreement for more details
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
To report a lost or stolen VISA, please call 1-800-299-9842 or contact the credit union at 855.835.MFCU during regular business hours.
