Credit Card
Features:
- • Annual Percentage Rate as low as 11.75%*
- • Redeem rewards powered by ScoreCard Rewards from points earned on qualifying purchases**
- • Rewards for shopping, fuel, travel, events, concerts, gift cards, games & more
- • No Annual Fee
- • No Cash Advance Fee
- • No Balance Transfer Fee
- • Online and Mobile account access
- • Card Controls in the Mobile App includes:
- o Temporarily lock/unlocking your card
- o Set up activity alerts
- o Reporting a lost/stolen card
- o Viewing card activity
A simple credit card with an exceptionally low fixed rate
Features:
- • Annual Percentage Rate as low as 8.90%*
- • No Annual Fee
- • No Cash Advance Fee
- • No Balance Transfer Fee
- • Online and mobile account access to make payments, view statements etc.
- • Card Controls in the Mobile App includes:
- o Temporarily lock/unlocking your card
- o Set up activity alerts
- o Reporting a lost/stolen card
- o Viewing card activity
**A qualifying purchase (“Qualifying Transaction”) shall mean: (i) a transaction that is charged to an eligible consumer account covered by the Program (“Account”), and (ii) a transaction that appears on Your statement during the Program period. Points are deducted for returns. No Points are earned for finance charges, fees, cash advances, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to Your Account.
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | 11.75% to 17.99% based on your creditworthiness |
| APR for Balance Transfers | 11.75% to 17.99% based on your creditworthiness |
| APR for Cash Advances | 11.75% to 17.99% based on your creditworthiness |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month |
| 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 |
| Fees | |
| Transaction Fees -Foreign Transaction Fee | 1.00% of each transaction in US Dollars |
| Penalty Fees -Late Payment Fee -Returned Payment Fee | Up to $25.00 Up to $25.00 |
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | 8.90% to 17.90% based on your creditworthiness |
| APR for Balance Transfers | 8.90% to 17.90% based on your creditworthiness |
| APR for Cash Advances | 8.90% to 17.90% based on your creditworthiness |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month |
| 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 |
| Fees | |
| Transaction Fees -Foreign Transaction Fee | 1.00% of each transaction in US Dollars |
| Penalty Fees -Late Payment Fee -Returned Payment Fee | Up to $25.00 Up to $25.00 |
Report Lost or Stolen Michigan United Credit Union VISA Credit Card:
Domestic: 800.754.4128
International: 727.227.9012 (outside of the USA)
Report Lost or Stolen Michigan United Credit Union VISA Debit Card:
Domestic: 800.754.4128
International: 727.227.9012 (outside of the USA)
If you currently receive your member statement as an e-statement, your new VISA statement will be an e-statement. Statements will generate on the last day of the month, the same time as your member statements generate.
You may view your statement in Online Banking starting in December. If you want to switch to a paper statement, you will need to log into Online Banking and unenroll in eStatements.
ONLINE BANKING – DESKTOP
- In the main menu along the top of the screen select Member Services
- Select eStatements
- Select Credit Card Statements
MOBILE APP
- In the main menu along the bottom right select More
- Select eStatements
- Select Credit Card Statements