VISA Credit Card
CHECK OUT OUR LOW COST VISA® CREDIT CARDS!
Low Fixed Rates! NO ANNUAL FEE PLATINUM & PLATINUM POINTS. HRCCU's VISA® card is one of the best bargains in the business. ScoreCard Bonus Points Program is also available for Platinum Points members with a higher APR*.
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VISA PLATINUM VISA PLATINUM POINTS
Annual Percentage Rate (A.P.R.)* for Purchases, Cash Advances and Balance Transfers |
8.90%, 9.90%, 12.90%, 15.90%, 18.90% TIERED RATES |
9.90%, 10.90%, 13.90%, 16.90%, 19.90% TIERED RATES |
|
Spending Limits |
Up to $25,000.00 |
Up to $25,000.00 |
|
Grace Period for Repayment of the Balance for Purchases |
25 days |
25 days |
|
Method of Computing Balance for Purchases and Cash Advances |
Average Daily Balance |
Average Daily Balance |
|
Annual Fee |
None |
None |
|
Balance Transfer Fee |
None |
None |
|
Cash Advance Fee |
None |
None |
|
Minimum Payment Amount |
2.75% or $15.00 whichever is greater |
2.75% or $15.00 whichever is greater |
|
Credit Report Fee |
$5.00 |
$5.00 |
|
Minimum Finance Charge |
None |
None |
|
Non-Sufficient Funds Fee |
$25.00 |
$25.00 |
|
ScoreCard Bonus Point Program (on purchases only) |
No |
No |
|
BENEFITS: |
|
|
|
No application or per transaction fees. |
X |
X |
|
Cash advances worldwide |
X |
X |
|
24 hour account information access |
X |
X |
|
Zero liability |
X |
X |
|
$150,000 Travel Accident Insurance |
X |
X |
|
24 hour emergency cash replacement |
X |
X |
|
Auto Rental Collision Waiver Program |
X |
X |
|
Online account access via eZcardinfo.com |
X |
X |
|
Scorecard Bonus Points for purchases |
|
X |
|
$1,000,000 Travel Accident Insurance |
|
X |
|
Concierge Service |
|
X |
* A.P.R. = Annual Percentage Rate and subject to change without notice. Members must credit qualify for the annual percentage rate to receive HRCCU's VISA® PLATINUM and PLATINUM POINTS credit cards.
NOTE: Borrowers must credit qualify for the rate and higher spending limit to receive VISA® Platinum and VISA® Platinum Points credit cards. Rates may vary based on member's relationship with HRCCU and credit history. A $5.00 credit report fee may also be charged. For cash advances, interest begins accruing on the day of the transaction. Also, be aware that a fee may be imposed by (1) an ATM operator not holding your account(s), or (2) any national, regional or local network used to complete your transaction. New York residents may contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-522-3330. If you apply for another loan with HRCCU your VISA® Platinum or VISA® Platinum points A.P.R. may be raised or decreased based upon your credit score at the time of application. You’re A.P.R. will be reviewed upon reissue date and your rate may decrease or increase based on your credit score. The credit union has the right to offset our shares for payment. A 1% international transaction fee for purchases may be imposed on VISA® card holders. To find out the current cost, write to the credit union at 312 Palmer Ave., Corinth, NY 12822 or call 518-654-9028.
For a complete copy of the VISA Platinum disclosure, click here.
For a complete copy of the VISA Platinum Points disclosure, click here.
For credit counseling on your VISA® credit card statement, contact the National Foundation for Credit Counseling at 1-800-388-2227 or online at www.nfcc.org.
