When you compare the facts, you’ll find PSECU has a fantastic VISA credit card program!
- PLATINUM card with 8.9% APR and SCORECARD BONUS POINTS. Use scorecard points to purchase airline tickets or brand-name merchandise.
- CLASSIC card with 11.9% APR and NO ANNUAL FEE!
- SECURED classic card with 11.9% and is secured by a balance in a designated sub account.
- STUDENT REWARDS card with 13.9% and earns 1% cash back rebate.
All cards have the following:
- 25-day GRACE PERIOD on purchases! Avoid finance charges if you pay off your VISA purchase balance within your 25-day grace period. (Does not apply to cash advances and balance transfers.)
- NO TRANSACTION FEES for cash advances and balance transfers. Although finance charges do apply from the date of the transaction, you will not pay any additional transaction fees to get cash or transfer balances.
- WE’LL HANDLE YOUR BALANCE TRANSFER FOR YOU! Simply request, complete and return an “Optional Balance Transfer Request” form and we’ll take care of the rest.
- 24/7 VISA account information access. REVIEW and PAY your credit card bill online by accessing ezcardinfo.com. Or you can call 1-800-808-7230, 24-hours a day, 7 days a week, to access your VISA credit card account information. Obtain your balance, next payment due, etc. (For lost or stolen cards, please call 1-800-991-4964.)
HOW TO APPLY
Click on “Applications” at the bottom of this screen to start the process. Or, from our “Home” page click on “Contact Us” to request a VISA Platinum or Classic credit card application packet.
TERMS AND CONDITIONS – PLATINUM Card:
-
Annual Percentage Rate…..8.9% APR
- Grace Period (to avoid finance charges)…..25 days on purchases (none on cash advances)
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Balance calculation method for purchases…..Average Daily Balance (including new purchases)
- Annual fee…..$25.00
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Minimum finance charge…..None
- Transaction fee for purchases…..None
- Transaction fee for cash advances (or balance transfers)….None
-
Late payment fee…..$20.00
- Over limit fee…..$15.00
- Minimum monthly payment…..3% of the balance or $20.00, whichever is greater
TERMS AND CONDITIONS – CLASSIC, SECURED Classic and STUDENT REWARDS Cards:
-
Grace Period (to avoid finance charges)…..25 days on purchases (none on cash advances)
- Balance calculation method for purchases…..Average Daily Balance (including new purchases)
- Annual fee…..None
-
Minimum finance charge…..None
-
Transaction fee for purchases…..None
- Transaction fee for cash advances (or balance transfers)….None
-
Late payment fee…..$20.00
- Over limit fee…..$15.00
- Minimum monthly payment…..3% of the balance or $20.00, whichever is greater
All applications are subject to credit approval; you may be requested to provide copies of proof of income from the last 45 days. We will require your original signature on our LoanLiner VISA application acknowledging receipt of your VISA Classic Credit Card Agreement before any cards are issued.
