Visa
Credit Cards
Want a credit card with a low rate, no annual fees AND points
for travel and cash back?
Take a look at MCCU's Visa Credit Cards… we
offer everything you want in a credit card, and more! Cash
in on these benefits:
- Low FIXED rates!
- No Annual Fee - Save $50 or more each year!
- No Cash Advance Fees
- 25-Day Grace Period- No interest on purchases when you pay your
entire balance in full within 25 days.
- No-Fee Balance Transfers- Use this feature to pay off higher-cost
card balances from other card issuers.
- Provides overdraft protection for your MCCU checking account.
- Verified by Visa - Password protection for online purchases.
- Free Rental Insurance Coverage for rental car collision/loss
damage for Visa Classic AND Gold cards!
Apply for an MCCU Visa Credit Card! Stop by, call
or click here!
And if you qualify for a Visa Gold Card you'll also enjoy:
- Credit Lines up to $15,000
- Rental Insurance Coverage for rental car collision/loss damage.
- Purchase Security Protection Services- to protect your Visa
Credit Card purchases against damage or theft.
- Extended Warranty for qualified purchases.
- Travel Accident Insurance up to $500,000 and other travel assistance
services.
- 24-Hour Roadside Dispatch
(A disclosure of all Visa Credit Card benefits will be mailed
to you along with your new card.)
When you're approved for your MCCU Visa Classic
or Gold Credit Card, you are automatically signed up for Extra Awards!
With Extra Awards you earn points for purchases you make with your
credit card. See a movie, stock up on groceries, or even pay your
electric bill - Now more than ever it pays to use your credit card
for all your purchases.
There’s no need to visit special Web
sites or make purchases at specified merchants to earn points. Simply
use your card and watch the points add up.
With Extra Awards, you can redeem your points
for travel and/or cash back awards! For more information on Extra
Awards, and to redeem your points, click here.
Tax-Deductible Credit
Card Option
If you're a homeowner, you can enjoy all the benefits of the Gold
Visa Credit Card program, plus:
- NO appraisal or title search fees - just a $50 document processing
charge. This tax-deductible Credit Card option places a courtesy
lien on your home as collateral, but without the usual requirements.
- Potential Tax Benefits - The interest payments on home equity
loans, including those for this Credit Card option, generally
are tax-deductible.*
* Whether or not the finance charges are deductible
depends on your individual circumstances. We recommend that you
consult a tax advisor to verify your eligibility for tax deductions.
MCCU's Visa Credit Cards...at a glance!
| MCCU
Visa Credit Cards |
Visa
Classic |
Visa
Gold |
| APR* |
12.90%**
13.90% |
11.90%***
12.90% |
| Grace
Period for Purchases |
25 days |
25 days |
| Method
of Computing the Average Daily
Balance for Purchases |
Average Daily
Balance
(including new purchases) |
Average Daily
Balance
(including new purchases) |
| Annual
Fee |
None |
None |
| Balance
Transfer Fee |
None |
None |
| Cash
Advance Fee |
No fee charged by Credit Union |
No fee charged by Credit Union |
| Overlimit
Fee |
$10 if balance exceeds 20% of credit
limit, or $500, whichever is less. |
$10 if balance exceeds 20% of credit
limit, or $500, whichever is less. |
| Late
Fee |
$10 if payment is late 10 days following
the due date. |
$10 if payment is late 10 days following
the due date. |
| NSF
Check Fee |
$15 |
$15 |
| * |
APR = Annual Percentage
Rate. |
| ** |
12.90% APR is based on
an automatic payment plan, otherwise the rate is 13.90% APR.
Subject to credit approval. Rate as of 10/11/06 and subject
to change at any time. |
| *** |
11.90% APR is based on
an automatic payment plan, otherwise the rate is 12.90% APR.
Subject to credit approval. Rate as of 10/13/06 and subject
to change at any time. |
Disclosures provided are accurate as of October 11, 2006 and are
subject to change. You may contact the Credit Union at: Matadors
Community Credit Union, P.O. Box 1052, Northridge, CA 91328 or telephone
(818) 993-6328 for any changes in this information.
|
