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Take Charge of your future with a PEFCU VISA Credit Card. Not all credit cards are created equal. In the confusing world of "teaser" and "introductory" rates and gimmicks, PEFCU is proud to stand out in the crowd by offering a true fixed rate VISA Credit Card program.
Our program offers great ScoreCard Bonus Points for gift and travel incentives. You will earn 1 point for every $1 purchase made. And, in the months of November and December you will earn double points – that’s 2 points for every $1 purchase.
Also transfer your high interest rate balances to the PEFCU VISA card. We will give you matching ScoreCard Bonus Points for your transferred balance. Call our Loan Department at 1-800-226-6673 for an application or more information.
ScoreCard Bonus Points
Click here to view the ScoreCard catalog and learn about gift and travel benefits.
(By clicking on this link, you will be leaving the Credit Union's website and our Privacy Policy. This web site is not operated by PEFCU.)
Daily Visa Information – Transactions, Statements, and Histories
Get 24-hour access to your credit card information by visiting this link: www.ezcardinfo.com
From this site you can set up account alerts to notify you of purchases made over a maximum dollar you set up or to alert you if your available balance falls below an amount you set up.
(By clicking on this link, you will be leaving the Credit Union's website and our Privacy Policy. This web site is not operated by PEFCU.)
Visa Credit Card - Report lost, stolen, or compromised cards immediately
If you believe that your card has been lost, stolen, or compromised, call Fidelity Security Department at toll-free 1-800-299-9842. They will be able to help you 24 hours a day 7 days a week. Also, examine your statements promptly to identify unauthorized transactions.
Fraud Protection
We have enhanced our Visa program with Fraud Protection. When a transaction on your card appears to fall outside of your usual spending pattern, an alert is created and sent to a fraud analyst or automated voice system which will then contact you at home, at your office, or on your cell phone to verify whether you authorized this transaction. Part of the verification will be to ask you to confirm the last 4 digits of your Social Security number on file.
If we are not successful in contacting you, a decision will be made on your behalf to block future transactions until you can be reached for confirmation. Therefore, it is extremely important that we have your most up to date contact information on file. Please contact us at 1-800-226-6673 if you feel your contract information needs to be updated or if you would like to add/update your cell phone number on our files.
Credit Card Terms
| Annual Percentage Rate (APR) |
9.90% - 10.90% |
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Rate is based on Credit History. |
| Annual Fee |
None |
| Grace Period for repayment
of the balances for purchases |
You have 25 days to repay your balance for purchases before a finance charge will be imposed |
| Method of computing the Balance for purchases |
Average Daily Balance |
| Late Payment Fee |
$20.00 |
| Over-the-Credit-Limit Fee |
None |
| International Transaction Fee |
.8% of the International Transaction Amount |
| International Currency Conversion Fee |
1% of the International Transaction Amount |
| Card Replacement Fee |
$10.00 |
Additional Benefits
- Worldwide acceptance
- Travel insurance benefits
- Visa’s zero liability policy
- Cash advances from any ATM displaying the VISA logo
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