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| Personal VISA Credit Cards |
| Get what you need with 1% cash back! |
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| Highlights of a WECU VISA |
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1% cashback reward on purchases
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No annual fee
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Low annual percentage rate (APR)
(Classic 12.9% APR / Platinum 9.5% APR)
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Cash advances by telephone
at 360.676.1168 or 800.525.8703
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Low monthly payments
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Travel accident insurance ($250,000 Classic / $500,000 Platinum) when you purchase travel tickets with your VISA
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Local service you can trust
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Credit Disclosure
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INTEREST RATES AND INTEREST CHARGES
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Annual Percentage Rate for Purchases & Balance Transfers
Classic: 12.9%
Platinum: 9.5%
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Annual Percentage Rate for Cash Advances
Classic and Platinum: 12.9%
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How to Avoid Paying Interest on Purchases
Your due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
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For Credit Card Tips from the Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
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FEES
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Annual Fee: None
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Transaction Fees:
Penalty Fees:
- Late Payment Fee - 5% of the minimum monthly payment or $15.99, whichever is greater.
- NSF/Return Check Fee - $5.00
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Other Fees:
- Foreign Transaction Fee - Up to 1% of the US dollar amount of the foreign transaction.
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How we will calculate your balance: We used method called "average daily balance" (including new purchases).
We reserve the right to amend the Visa Credit Card Agreement as permitted by law. The above rates and fees are current as of February 20, 2010.
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| Payment Protection: |
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With Payment Protection, you'll find comfort in knowing that an emotional tragedy doesn't have to become a financial one. Disability protection makes your monthly loan payment should you become disabled due to a covered illness or injury. Life protection reduces or pays off your eligible loan balance should you die before paying off your loan.
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Automatic eligibility for most borrowers.
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No medical screening.
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Premium included in your loan payment.
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Low group rates that are the same for every borrower.
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Protection of your loan collateral and credit rating.
For more information about Payment Protection, click here.
Price varies depending on selected protection and loan type.
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| Limit Increases |
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To request a credit limit increase on your WECU VISA, simply fill out an application. Use the same account number that you already have a VISA on, and we'll evaluate your request on your existing VISA. If you have any questions, please call our full service call center. We can get you started with your limit increase right over the phone.
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