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. You can create your password now at www.visa.com/verified.**** The password is linked to your card, not to your computer.
Special Notices:
- 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 The purchase amount and the fee will be withdrawn from your account separately.
- 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 (effective January 2, 2006) excluding cash advances and balance transfers.* |
| Credit Line | $5,000 - $50,000 |
| Annual Fee | None |
| Interest Rate | Fixed |
| Grace Period | 25 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 |
| 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.
** Your Visa Platinum 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 Platinum 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 Platinum.
*** 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.
****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.
Apply on-line, or stop by one of our offices, or call for an application at 734-662-8200 or 800-968-8628.
Visa cash advances are not available at our drive-through service.
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.
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.