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VISA
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Is
Your Credit Card Company Charging You Too Much?
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Raising
rates? Increasing fees? Lowering credit limits?
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Well,
we're not! Our card rates and conditions have been stable for years.
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Apply
for our VISA
Classic @ 14.90%
APR or Share Secured
@ 10.00% APR
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No Annual Fee nnnnnnnn
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No Balance Transfer
Fee
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No
Cash Advance Fee
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25
Day Courtesy Period on Purchases
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| VISA Cards | |
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To apply for a OFCCU VISA, call the Main Office at 1-216-241-1088, then
choose option 8 then Option 4, or call the Branch |
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| • Secured card credit line from $500.00 to unlimited limit equal to an amount on deposit in your OFCCU account | |
| • Classic card credit lines from $500.00 to a maximum of $10,000.00 | |
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VISA
Cards Now Available for Young Adults
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| • Ages 16 - 20 can now qualify for an OFCCU VISA with the same rate and terms as all other Classic VISA Card holders. |
| • Credit limits for 16 and 17 year olds is from $500 to $3,000, with parent or guardian also on the account. |
| • For ages 18 - 20, credit limits can range from $500 to $5,000 and qualifications can vary. |
| • Contact one of the numbers listed above for complete details. |
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Are
You In Trouble With Your Credit Cards?
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Visit
this Federal Trade Commission site here
for valuable information.
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Read
OFCCU's VISA Credit Card Agreement Here
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OFCCU's VISA Credit
Card Disclosures
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| Interest Rate And Interest Charges | |
| Annual Percentage Rate (APR) for Purchases |
14.90%
VISA Classic
10.00% |
| APR for Balance Transfers | VISA
Classic 14.90% A VISA Secured 10.00% |
| APR for Cash Advances | VISA
Classic 14.90% A VISA Secured 10.00% |
| Variable
Rate Information |
Non-Applicable
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| Balance
Calculation Method |
Average Daily Balance (Including new purchases)
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| How To Avoid
Paying Interest On Purchases |
Your
due date is at least 35 days after the close of each billing cycle.
We do not charge you interest on purchases if you pay your entire balance
by the due date each month.
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| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Fees | |
| Transaction Fees - Foreign Fee | None |
| Penalty
Fees - Late Payment Fee - Returned Payment Fee |
Up to $20.00 Up to $30.00 |
| How We Will Calculate Your Balance. | We use a method called "average daily balance (including new purchases). March 1, 2010 |
| Effective Date. | The information about the costs of the card described in this application is accurate as of October 6, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union. |
| Other Disclosures | |
| Other Fees: | |
| Late Payment Fee | $20.00 or the required payment, whichever is less, if you are ten (10) or more days late making a payment. |
| Returned Check Fee | $30.00 or the required minimum payment, whichever is less |
| Statement Copy Fee | $10.00 |
| Document Copy Fee | $15.00 |
| Rush Fee | $30.00 |
| Card Replacement Fee | $10.00 per card replaced |
| Express Card Fee | $12.00 for replacement card mailed within 3 business days |
| Stop Payment Fee | $30.00 |
| Archived Statement Copy Fee | $10.00 per page |
| Pay-by-Phone Fee | $10.00 per payment performed by a real person |
| Mandatory Pick Up Fee | $65.00 - late or over limit |
| Annual Fee |
None
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| Cash Advance Fee |
None
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| Over Limit Fee |
None
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| Minimum Finance Charge |
None
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* Secured with money on
deposit at OFCCU The information
about the costs of the card described here is accurate as of October
6, 2010. Lost
or stolen Visa call: |
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| Click here for a pdf of this information to save or print. | |
| ScoreCard VISA Rewards - Earn valuable Bonus Points for every net dollar you spend with OFCCU's ScoreCard VISA Awards. Exchange your ScoreCard points for fabulous travel and brand-name merchandise |
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Verified
by VISA - Protect your Visa
Credit Card account against unauthorized use when you shop at participating
merchants.
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| EZ Card Info - Access your account anytime, anywhere, 24 hours a day and 7 days a week at www.ezcardinfo.com. |
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US
Patriot Act requires Identity Verification on all new accounts.
Equal Opportunity Lender |
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