VISA CREDIT CARD RATES
APPLY FOR A LOAN (CREDIT CARD)
SET UP CARD ALERTS WITH CARD CONTROL
REPORT A LOST/STOLEN CARD
Tarjetas de crédito Visa
Elija la tarjeta de crédito Visa que mejor se adapte a usted, tanto si recién está empezando y quiere construir su historial crediticio como si prefiere una tarjeta con un límite de crédito generoso y recompensas.
Features of all Visa Credit Cards:
- Competitive rates
- 25-day grace period on card purchases
- No annual fee
- No foreign transaction fee
- Online balance transfers
- Set up card alerts with Card Control
- Digital wallet compatible - use card with Apple Pay, Google Pay and Samsung Pay
- Card Benefits (such as travel, auto rental, and identity theft coverage)
Visa Platinum
The Visa Platinum Card is ideal for members who want a higher credit limit (up to $35,000) and the perks of a rewards card.
Visa Classic y Visa Golden Owl
The Classic Card is perfect for members seeking a low-cost credit card with no annual fee and credit limits to $15,000. Members of our Golden Owl Club (age 62 and above) can apply for the Golden Owl Visa Card.
Visa Starter/Student
Our Starter/Student Card has a credit limit up to $2,500 and is for members who are students or who have little or no credit history in their own name.
Transfer Balances Online
It’s easy to transfer balances from other bank cards to your EECU Visa credit card. Simply login to Online Access Home Banking, select your credit card from the Accounts screen, and then select Balance Transfer from the Account Services menu. View our easy, step-by-step balance transfer guide.
Declaración de cuentas Visa
| Tasas de interés y cargos por intereses | ||||
|---|---|---|---|---|
| Platinum Rewards | Golden Owl* | Classic | Starter / Student | |
| Tasa de porcentaje anual (APR) para compras | Del 10.99% al 12.99% según su solvencia crediticia | Del 12.99% al 15.99% según su solvencia crediticia | 13.99% to 17.99% based on your creditworthiness | Del 13.99% al 17.99% según su solvencia crediticia |
| APR para transferencias de saldo | 10.99% to 12.99% based on your creditworthiness | 12.99% to 15.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness |
| APR para adelantos de efectivo | 10.99% to 12.99% based on your creditworthiness | 12.99% to 15.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness | 13.99% to 17.99% based on your creditworthiness |
| APR de penalización y cuándo se aplica | Ninguna | |||
| Cómo evitar pagar intereses por las compras | Su fecha límite es al menos 25 días después del cierre de cada ciclo de facturación. No le cobraremos intereses por las compras si paga su saldo total antes de la fecha límite de cada mes. | |||
| Cargo mínimo de interés | Si le cobran intereses, el cargo será de $0.50 como mínimo. | |||
| Consejos sobre tarjetas de crédito de la Oficina para la Protección Financiera del Consumidor | To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau website at http://www.consumerfinance.gov/learnmore. | |||
| Cargos | ||||
|---|---|---|---|---|
| Cargo anual | Ninguno | |||
Cargos por transacción
|
Either $5.00 or 2% of the amount of each transfer, whichever is greater. Either $5.00 or 2% of the amount of each cash advance, whichever is greater. |
|||
Penalizaciones
|
Up to $15.00 Up to $24.00 Ninguno |
|||
Cómo calcularemos su saldo: Utilizamos un método llamado "saldo diario promedio (incluyendo nuevas compras)".
Consulte el acuerdo de su cuenta para ver más detalles.
*For Golden Owl: Must be at least 62 years of age to qualify.
Features and Benefits
Transfer Balances Online
It’s easy to transfer balances from other bank credit cards to your EECU Visa credit card. Simply login to Online Access Home Banking, select your credit card from the Accounts screen, and then select Balance Transfer from the Account Services menu. View our easy, step-by-step balance transfer guide.
Card Control
With Card Control, you can turn your credit card “off” if you misplace it, set up transaction alerts, and manage your spending. Card Control is available in online/mobile banking.
Standard text messaging and data rates may apply.
Visa Credit Card PIN
If you’d like to use your EECU Visa Credit Card for cash advances at ATMs, you can create or change your PIN using our PIN Now service. Just call 1-888-891-2435 from the number on file for your Visa account. You’ll need to provide the following information:
- Your card number
- Last four digits of SSN
- The three-digit CVV code on the back of the card
- The four-digit PIN of your choice
To change your credit card PIN you must use the PIN Now service; it is not available at our branch locations or through our Member Service Center. You may request a PIN by calling us or visiting a branch and one will be sent to you via postal mail.
Visa Credit Card Discounts
Find great deals on brands you love when you pay with your Visa card, and you’ll be able to stock up on all the things you need – along with the ones you want!
Visa Credit Card Lost/Stolen Numbers
Dentro de EE. UU.
1-800-538-3328
1-800-234-5354-After hours
Fuera de EE. UU.
00-1-515-457-2080
Llamar a cobro revertido +1-303-967-1096
Cardholders traveling in other countries can also report their credit cards lost/stolen by using the following toll-free numbers
EECU Visa Credit Card Payment Options
- Use the Transfer function in EECU's Online Banking to schedule one-time or repeat payments from an EECU account. Visa payments are posted on the transfer date but may not show in your online Visa transaction history for three to five business days.
- If you are making a Visa payment using funds from a non-EECU account, consider setting up the payment through the other financial institution’s Online Bill Payment.
- Call our Member Service Center to transfer funds from an EECU account to your Visa or to make a check-by-phone payment using funds from a non-EECU account.
- Visit any EECU branch to make the payment in person. If the payment is made using funds from a non-EECU account, we require a physical check from the non-EECU account to deposit and apply to your EECU Visa.
- Mail the payment to the address on your Visa statement.
