The VBSFCU VISA Classic
and Platinum cards offer a fixed interest rate. You may apply
here
or call 463-3650 to have an application mailed to you, or
stop by either office and ask for an application. Characteristics of the VBSFCU
credit card:
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NO application
or annual fee |
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Low APRs |
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Same rate for
cash advances and balance transfers |
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25 Day grace
period on purchases. |
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No rate
increase for late payments. |
Annual Percentage Rate
(APR) for purchases: |
7.99% - 12.99%APR* |
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Other APRs: |
Cash Advance APR:
7.99-12.99%
Balance Transfer APR:
7.99-12.99% |
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Grace period for repayment of balances for purchases:
Annual fees:
Minimum finance charge:
Transaction fee for purchases:
Transaction fee for cash advances:
Balance transfer fee:
Late payment fee:
Over the credit limit fee:
Over limit fee:
Emergency increase fee:
Replacement card fee:
Return check fee:
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Minimum of 25 days from statement date.
None.
None.
None.
None.
None.
$25.00
$25.00
$25.00
$25.00
$10.00
$30.00 |
*Annual Percentage Rate.
Upon approval of your
application for a VISA® account is dependent on your credit worthiness as
determined by the Credit Union, and if approved the Credit Union shall determine
your annual percentage rate.
Information
to Remember:
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Lost/stolen cards: If the credit card is
lost or stolen, you need to contact the credit card company directly by phoning
800-325-3678. A card will be reissued, and you will need to request a new pin
number. A replacement fee = $10.00. |
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Payments: Payments may be dropped off at
either office or mailed, or you may use ezcardinfo (see below) to make
your payments via the internet, or call 1-800-237-6211 to pay by phone. There is
a $10.00 per payment to use the pay by phone service. Have your checkbook ready.
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Delinquent/Late: If your status is
delinquent or late the balance is below the member’s limit. A late fee of $25.00
will be charged. |
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Name changes: After you change your name
on your VBSFCU account, you must sign a "Same Name Affidavit" (forms are located
with the Member Services Representative). |
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Charging over-the-limit: Few members
realize this, but if they charge more than their limit, they are assessed an
over-limit fee of $25.00 each month. This fee is assessed each month until
balance is below normal limit. |
EZCardInfo
puts you in touch 24 hours a day, seven
days a week with information and services that make your credit card more
convenient and easier to manage than ever before.
Now, with the click of a mouse, you can view important
information about your credit card account balances, available balances,
available credit, current and past statements, and transactions since your last
statement. In addition, eZCardInfo allows you to make payments automatically via
the Internet. No postage or checks; everything is handled electronically.
eZCardInfo
features include:
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Account Summary Information |
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Online Statement |
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Data downloadable to financial software such
as Quicken or Money |
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Online Credit Card Payments |
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Transaction and Spending Reports |
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E-mail notifications of conditions or events
on your account |
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click here