Visa Classic
After Hours Lost/Stolen Visa number: call 1-800-991-4965.
To report your card as lost or stolen outside of the United States, please call
this U.S. phone number collect: 1-813-570-4881.
When it comes to travel and shopping, Visa is the most widely accepted card available. You can use your Visa to make purchases or cash advances all over the world including Visa Network ATMs nationwide. Plus, we'll help you close out those higher-rate cards and have one easy monthly payment.
We call our Visa credit card "Visa Classic."
Check out our current rates.
| Features | Visa Classic |
| Credit Line | $1000 - $25,000 |
| Annual Fee | None |
| Interest Rate | Fixed* |
| Grace Period | 25 Days for Purchases. None for Cash Advances. |
| Auto rental insurance | Yes |
| ATM Access | Yes |
| Tellerphone and MemberNet Access | Yes |
| Overdraft Option | Yes |
| Minimum Payment Calculation | 4% Of The Outstanding Balance, Plus Any Amount Over Your Limit |
*Your Visa Classic interest rate is determined by participating in other UMCU services. The more services you use, the lower the rate. Each service reduces your rate by 0.40%. The following services qualify for Visa Classic rate discounts: automatic payment transfer, another open UMCU loan, an open UMCU checking account, $5000 in an IRA or TSA at UMCU. Please note that the relationships must be on the same account as your Visa Classic.
Special Notices:
- If you use your Visa check card (or credit card) for a transaction in a foreign country, Visa's 1% international service fee to convert the foreign transaction into U.S. dollars will now appear as a separate transaction on your statement.
- The credit union reserves the right to block transactions from certain
merchants due to a high incidence of fraud from that merchant. Please contact
us at 734-662-8200 or
800-968-8628 for information about affected merchants.
Visa is requiring consumers to enter a password when making Internet purchases from certain vendors with a Visa debit or credit card. This is called "Verified by Visa," and it is protection for you when you buy online. You can create your password now at www.visa.com/verified.** The password is linked to your card, not to your computer.
Warning: Identity thieves are sending e-mails over the Internet pretending to be from Visa and asking members to click on a link and enter their Visa account number. Visa would never ask you for card information online. These e-mails are a fraud. Do not respond.
Members registered for our online banking service, MemberNet, may apply on-line; or stop by one of our offices, or call our Member Service Phone Center (734) 662-8200 or (800) 968-8628 to apply.
Visa cash advances are not available at our drive-through service at 305 E. Eisenhower.
To learn more about our Visa Platinum card, click here.
After Hours Lost/Stolen Visa number: call 1-800-991-4965.
The 25-day grace period is from the first of the month through the 25th of the month. In order to avoid finance charges (interest), the credit union must receive and post your payment of the previous month's entire balance on or before the 25th of the month. If only a portion of the previous month's balance is paid, the entire balance due on the account will be subject to finance charges (interest). The appropriate periodic rate is applied to the daily principal balance. The daily principal balance is calculated separately for purchases and cash advances and is determined as follows. For each day during the statement period, any purchases or cash advances posted to the account that day increases the principal balances of purchases and cash advances from the previous day. Each separate daily principal balance on the loan account is then multiplied by the number of days that balance is owed times the appropriate periodic daily rate and the results are added together.
**Links from our web site are provided for your convenience only. These linked sites are separate from our credit union's web site and UMCU is not responsible for the content or availability of these sites or their privacy policies. In addition, a link from our web site to another does not indicate that UMCU endorses that site's advertisers, services or policies.
Your
savings federally insured to at least $250,000 and backed by the full faith
and credit of the United States Government
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.