our low-fixed-rate credit
cards are the smart way to charge your purchases! They offer the ultimate
in buying power, convenience, and security. At EFCU you'll find:
- Competitve credit limits
- Flexible payment terms
- Automatic payment options set up by EFCU (Get
the Form!)
- Online Visa Account Access with Pay-My-Bill
- Verified by Visa Security
- Balance transfer rates are good for the life of the loan
- Low, fixed rate
- No Balance Transfer Fee
- No Annual Fee or Membership Fee
- No Cash Advance Transaction Fees
- Warranty Manager Service
- Travel and Emergency Assistance
- Auto Rental Collision Damage Waiver Program
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| Annual Percentage Rate (APR) for Purchases |
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|
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| Annual Percentage Rate (APR) for Balance Transfers |
6.99%* |
9.99%* |
14.40%* |
| Annual Percentage Rate (APR) for Cash Advances |
10.25% |
13.75% |
16.50% |
| Annual Percentage Rate (APR) for Delinquent Accounts |
11.40%** |
14.90%** |
17.90%** |
| Grace Period for Repayment of Balances for Purchases |
You have 25 days to repay your balance
for purchase before a Finance Charge is imposed. |
| Method of Computing the Balances for Purchases |
Average Daily Balance (including new
purchases). |
| Annual Fee |
$10 (currently waived) |
| Late Charge |
$15 |
Cash Advance Fee
FINANCE CHARGE |
$2 (currently waived) |
| Over-the-credit Limit Fee |
$15 for each billing cycle during which
you exceed your credit limit. |
| Minimum Payment for Classic |
3% or $35 (whichever is greater) |
| Minimum Payment for Platinum |
2.5% or $35 (whichever is greater) |
| Daily Cash Advance |
$1,500.00 (per day) |
*New Transfers Only
**Applies to accounts 60 days late until you make two (2) timely payments.
Mailing Address for Visa Payments
(except Overnight payments--see below)
All Visa payments must be mailed to the address below:
Payments - VISA
P.O. Box 96099
Charlotte, NC 28296
OVERNIGHT Payments Mailing Address
PSCU Financial Services
560 Carillon Parkway
St. Petersburg, FL 33716
EFCU rewards our Platinum Accountholders with both
travel and merchandise awards through our program. Earning points is easy…simply
enjoy the privilege and convenience you’ve come to expect from your
EFCU Visa Platinum Credit Card. For every dollar you charge, you earn
a point toward a valuable reward. You can take home an award for as few
as 2,500 points, or save them up for a bigger award. Rewards range from
radios and TVs, airline tickets, car rentals, and hotel stays. There is
something for everyone. Apply for an EFCU Platinum Credit Card today or
upgrade your classic EFCU card. To register your account or view the list
of potential rewards, go to www.curewards.com.
You can view your Visa account and pay your bill from eBranch, EFCU's internet
banking program. When you are in eBranch, click on the Visa &
Stock button, and on that page you will see an area for credit
card information. Here you will be able to select the visa card
you would like to access. If you have not signed up for eBranch, you may
contact our Call Center at 301-670-1300, press 3, and they will give you
a temporary password.
- View a summary of your available credit, credit limit, and current
payment amount due
- Display your recent transactions
- Review your statements up to 3 months back
- Download your information/transactions to Quicken or Money, or create
a .csv file for Excel
- Pay your EFCU Visa bill in many ways: the total amount, partial payment,
or the minimum payment allowed, and more than once a month
Verified by Visa is a service that addresses
a consumer's number one concern when shopping online: security. Verified
by Visa enables you to add an online password to your existing card so
that you can be certain that no one else can successfully use your EFCU
Visa* online without knowledge of your unique password. You must register
your card and choose a password to activate this service. Click
Here to register your EFCU Visa Credit or Debit Card.
*EFCU is a participating Financial
Institution. You may have other Visa cards with banks that are participating
in the program--you will need to register all cards individually.
To report a lost or stolen card 24 hours a
day, 7 days a week: Call 800-449-7728
When you lose your credit card:
- Report the theft immediately to the card issuer. The amount you can
be held responsible for depends on how quickly you report the loss to
the card issuer.
- It's a good idea to follow up the phone call with a letter--ask the
representative where you should send such a letter. Include the account
number, when you noticed your card was missing, and the date your reported
the loss.
- If you have payment of the credit card set up as an automatic payment
from a financial institution, notify that institution (if it is someone
other than the issuer).
- Notify all merchants with whom you've set up automatic bill payments
(utilities, gyms, etc.) that the card has been stolen. You'll have to
reestablish the payments with a new card, and you may need to make a
payment before that is set up.
- Continue to monitor the activity on the stolen card. If they show
any unauthorized charges after you reported the stolen/lost card, send
a letter to the card issuer decribing each questionable charge and telling
them when you reported the card stolen/lost.
For tips on Preventing Stolen Credit Cards and Fraud, click
here.
Federally Insured
by NCUA |
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|
Our
Platinum VISA® Credit Card is Attractive and Rewarding with CU Rewards
Verified
by Visa: To Protect Again Online Fraud
