Visa Credit Cards

Whether you want to rebuild your credit, or are all about the rewards, we have a credit card for you.

Advantages:

Annual Percentage Rate (APR) for Purchases 9.95%
APR for Balance Transfers 9.95%
APR for Cash Advances 9.95%
Paying Interest Your due date is at least 28 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
   
Transaction Fees
-Balance Transfer Fee
-Cash Advance Fee
-Foreign Transaction Fee
-Annual Fee
None
2.50% of the amount of each cash advance
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
None
Penalty Fees
-Late Payment Fee
-Returned Payment Fee

Up to $20.00
Up to $20.00

How we calculate your balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (800) 654-3914 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

Other Fees & Disclosures:
Late Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less, if you are 1 or more days late in making a payment. If your sccount is subject to a Late Payment Fee, the fee will be charged to your sccount when you do not make the required minimum payment by or within the number of days of the statement payment due date set forth on this disclosure.
Cash Advance Fee (Finance Charge): 2.50% of each cash advance. If your account is subject to a Cash Advance Fee (finance charge), the fee will be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial institution.
Returned Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less. If your account is subject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.
Card Replacement Fee: $10.00. If your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement card that is issued to you for any reason.
Document Copy Fee: $1.00 . If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to your account for each copy of a sales draft or statement that you request (except when the request is made in connection with a billing error made by the Credit Union).
Rush Fee: $75.00. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account for each rush card that you request, providing that delivery of the card is also available by standard mail service, without paying a fee for delivery.
Statement Copy Fee: $1.00 . If your account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your account for each copy of a sales draft or statement that you request.
Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.

Periodic Rates:
The Purchase APR is 9.95% which is a daily periodic rate of .027639%.
The Balance Transfer APR is 9.95% which is a daily periodic rate of .027639%.
The Cash Advance APR is 9.95% which is a daily periodic rate of .027639%.
Annual Percentage Rate (APR) for Purchases 6.95%
APR for Balance Transfers 6.95%
APR for Cash Advances 6.95%
Paying Interest Your due date is at least 28 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
   
Transaction Fees
-Balance Transfer Fee
-Cash Advance Fee
-Foreign Transaction Fee
-Annual Fee
None
2.50% of the amount of each cash advance
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
None
Penalty Fees
-Late Payment Fee
-Returned Payment Fee

Up to $20.00
Up to $20.00
How we calculate your balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (800) 654-3914 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

Other Fees & Disclosures:
Late Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less, if you are 1 or more days late in making a payment. If your sccount is subject to a Late Payment Fee, the fee will be charged to your sccount when you do not make the required minimum payment by or within the number of days of the statement payment due date set forth on this disclosure.
Cash Advance Fee (Finance Charge): 2.50% of each cash advance. If your account is subject to a Cash Advance Fee (finance charge), the fee will be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial institution.
Returned Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less. If your account is subject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.
Card Replacement Fee: $10.00. If your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement card that is issued to you for any reason.
Document Copy Fee: $1.00 . If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to your account for each copy of a sales draft or statement that you request (except when the request is made in connection with a billing error made by the Credit Union).
Rush Fee: $75.00. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account for each rush card that you request, providing that delivery of the card is also available by standard mail service, without paying a fee for delivery.
Statement Copy Fee: $1.00 . If your account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your account for each copy of a sales draft or statement that you request.
Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.

Periodic Rates:
The Purchase APR is 6.95% which is a daily periodic rate of .0193%.
The Balance Transfer APR is 6.95% which is a daily periodic rate of .0193%.
The Cash Advance APR is 6.95% which is a daily periodic rate of .0193%.
Annual Percentage Rate (APR) for Purchases 12.95%
APR for Balance Transfers 12.95%
APR for Cash Advances 12.95%
Paying Interest Your due date is at least 28 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
   
Transaction Fees
-Balance Transfer Fee
-Cash Advance Fee
-Foreign Transaction Fee
-Annual Fee
None
2.50% of the amount of each cash advance
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
None
Penalty Fees
-Late Payment Fee
-Returned Payment Fee

Up to $20.00
Up to $20.00
How we calculate your balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (800) 654-3914 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

Other Fees & Disclosures:
Late Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less, if you are 1 or more days late in making a payment. If your sccount is subject to a Late Payment Fee, the fee will be charged to your sccount when you do not make the required minimum payment by or within the number of days of the statement payment due date set forth on this disclosure.
Cash Advance Fee (Finance Charge): 2.50% of each cash advance. If your account is subject to a Cash Advance Fee (finance charge), the fee will be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial institution.
Returned Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less. If your account is subject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.
Card Replacement Fee: $10.00. If your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement card that is issued to you for any reason.
Document Copy Fee: $1.00 . If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to your account for each copy of a sales draft or statement that you request (except when the request is made in connection with a billing error made by the Credit Union).
Rush Fee: $75.00. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account for each rush card that you request, providing that delivery of the card is also available by standard mail service, without paying a fee for delivery.
Statement Copy Fee: $1.00 . If your account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your account for each copy of a sales draft or statement that you request.
Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.

Periodic Rates:
The Purchase APR is 12.95% which is a daily periodic rate of .035973%.
The Balance Transfer APR is 12.95% which is a daily periodic rate of .035973%.
The Cash Advance APR is 12.95% which is a daily periodic rate of .035973%.
Annual Percentage Rate (APR) for Purchases 15.95%
APR for Balance Transfers 15.95%
APR for Cash Advances 15.95%
Paying Interest Your due date is at least 28 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
   
Transaction Fees
-Balance Transfer Fee
-Cash Advance Fee
-Foreign Transaction Fee
-Annual Fee
None
2.50% of the amount of each cash advance
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
None
Penalty Fees
-Late Payment Fee
-Returned Payment Fee

Up to $20.00
Up to $20.00
How we calculate your balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (800) 654-3914 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

Other Fees & Disclosures:
Late Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less, if you are 1 or more days late in making a payment. If your sccount is subject to a Late Payment Fee, the fee will be charged to your sccount when you do not make the required minimum payment by or within the number of days of the statement payment due date set forth on this disclosure.
Cash Advance Fee (Finance Charge): 2.50% of each cash advance. If your account is subject to a Cash Advance Fee (finance charge), the fee will be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial institution.
Returned Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less. If your account is subject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.
Card Replacement Fee: $10.00. If your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement card that is issued to you for any reason.
Document Copy Fee: $1.00 . If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to your account for each copy of a sales draft or statement that you request (except when the request is made in connection with a billing error made by the Credit Union).
Rush Fee: $75.00. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account for each rush card that you request, providing that delivery of the card is also available by standard mail service, without paying a fee for delivery.
Statement Copy Fee: $1.00 . If your account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your account for each copy of a sales draft or statement that you request.
Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.

Periodic Rates:
The Purchase APR is 15.95% which is a daily periodic rate of .044306%.
The Balance Transfer APR is 15.95% which is a daily periodic rate of .044306%.
The Cash Advance APR is 15.95% which is a daily periodic rate of .044306%.
Annual Percentage Rate (APR) for Purchases 12.95%
APR for Balance Transfers 12.95%
APR for Cash Advances 12.95%
Paying Interest Your due date is at least 28 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
   
Transaction Fees
-Balance Transfer Fee
-Cash Advance Fee
-Foreign Transaction Fee
-Annual Fee
None
2.50% of the amount of each cash advance
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
None
Penalty Fees
-Late Payment Fee
-Returned Payment Fee

Up to $20.00
Up to $20.00
How we calculate your balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (800) 654-3914 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

Other Fees & Disclosures:
Late Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less, if you are 1 or more days late in making a payment. If your sccount is subject to a Late Payment Fee, the fee will be charged to your sccount when you do not make the required minimum payment by or within the number of days of the statement payment due date set forth on this disclosure.
Cash Advance Fee (Finance Charge): 2.50% of each cash advance. If your account is subject to a Cash Advance Fee (finance charge), the fee will be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial institution.
Returned Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less. If your account is subject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.
Card Replacement Fee: $10.00. If your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement card that is issued to you for any reason.
Document Copy Fee: $1.00 . If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to your account for each copy of a sales draft or statement that you request (except when the request is made in connection with a billing error made by the Credit Union).
Rush Fee: $75.00. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account for each rush card that you request, providing that delivery of the card is also available by standard mail service, without paying a fee for delivery.
Statement Copy Fee: $1.00 . If your account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your account for each copy of a sales draft or statement that you request.
Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.

Periodic Rates:
The Purchase APR is 12.95% which is a daily periodic rate of .035973%.
The Balance Transfer APR is 12.95% which is a daily periodic rate of .035973%.
The Cash Advance APR is 12.95% which is a daily periodic rate of .035973%.

Please contact a loan officer for more information on all of our Visa products.

***Lost or stolen VISA credit cards should be reported immediately by calling 1-877-602-8963***

Information on Verfified By Visa

Visa Account Updater

Visa Account Updater (VAU)

Visa Account Updater (VAU) is a free service that is automatically provided to you as a Peoples Advantage Federal Credit Union Card holder. For your convenience, any time you are issued a new card, whether due to card expiration; being lost or stolen; compromised; closed or upgraded, your new card information will be shared with any/all participating merchants who keep your card on file for automatic billing. Because merchants are not required to participate in VAU, you should still contact each one to verify that they received your updated information. You are able to opt out of VAU at any time, however you are only able to opt out at the card level. This means that each time you are issued a new card for any reason, you will need to sign a new opt out form in order to prevent the new card from being automatically enrolled.

You have the right to change your decision at any time.  If you would like to opt out, please contact the credit union at 804-748-3081 ext. 723

 


*Individual rates based on credit worthiness. All terms, conditions and rates subject to loan officer approval.
Your VISA Card must be activated upon receipt by calling this number: 1-877-602-8963.

 

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