Visa Platinum

Great Rate and Cash Back!

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.

Visa Platinum now has a lower rate of interest and a higher cash back bonus!  Discover all the exciting details below.

Visa Platinum is a credit card with extra value-added benefits. 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 by transferring your balance to your new UMCU Visa Platinum card.

Some of the features of the Visa Platinum include:

  • Up to 1.05% annual cash back bonus on purchases*.
  • No annual fee.
  • Auto rental insurance allows you to receive 24-hour Auto Rental collision damage waiver - at no additional cost - for damage due to collision or theft.
  • Emergency cash disbursement & card replacement can get you an emergency cash advance delivery or a card replaced 24 hours a day, seven days a week.
  • A Zero Liability policy*** ensures that you only pay for what you've purchased.  It provides protection for every Visa card transaction, online and off, and gives you the ultimate in shopping security.
  • Low interest rates.**

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. The password is linked to your card, not to your computer.

Special Notices:

  1. When using your card in a foreign country, a 1% currency exchange fee is charged when using your card for Visa or ATM transactions. The purchase amount and the fee will be withdrawn from your account separately.
  2. 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 more information about affected merchants.
Features Visa PLATINUM
Cash Back Up to 1.05% on purchases excluding cash advances and balance transfers.*
Credit Line $5,000 - $50,000
Annual Fee None
Interest Rate For complete interest rates, click here.
Grace Period 27 Days for Purchases. None for Cash Advances.
ATM Access Yes
Online Banking and Telephone Access Yes
Overdraft Option Yes
Minimum Payment Calculation 4% of the outstanding balance, plus any amount over your limit
Variable Rate Information:  Your annual percentage rate (APR) may vary quarterly. Your account will be subject to a variable APR based on the Wall Street Journal (WSJ) Published Prime in effect on the fourth Tuesday of each month prior to the beginning of each calendar quarter (if published in a range, the highest number in the range will be used) plus a margin.  The rate is calculated quarterly by adding the margin applicable to the account to the WSJ Prime Rate, subject to any applicable rate limits or floors.
Number of Account Relationships Cash Back Bonus (effective January 2, 2006)
Four 1.05%
Three

.95%
Two

.85%
One .75%
None .65%
Relationships: checking account, UMCU loan, automatic transfer to Visa platinum payment, $5,000 on deposit in a IRA or Term Savings Account (TSA).

*  Paid annually on December 31 and deposited into your share savings account. The amount is based on that year’s activity and the number of services you are currently enrolled in.

Visa Platinum Credit Card Disclosure

*** Certain restrictions, limitations, and exclusions apply. Visa's Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by Visa.  See your Cardholder Agreement for more details.

Apply on-line, or stop by one of our offices, or call for an application at 734-662-8200 or 800-968-8628.

 
NCUAYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government
National Credit Union Administration, a U.S. Government Agency
Equal Housing Lender We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.