Products & Services

VISA Classic

With your Vision Visa Classic Credit Card, you will enjoy the convenience of a major credit card that is accepted everywhere, in the United States, that Visa's accepted. A Visa Classic Credit Card is an excellent way to establish or improve your credit. You can make cash withdrawals at ATM's or just swipe it to make purchases, payments, etc. almost everywhere!

Features:

  • Fixed rates as low as – 12.95% APR (on purchases, balance transfers and cash advances).
  • No annual fee.
  • No fees for cash advances.
  • There is a 25 day grace period for purchases.
  • You can transfer your balance from a higher rate credit card to your Visa Classic without incurring any fees.
  • If you plan to travel out of the country you can receive our Visa Travel Money Card for free!
If this sounds like something that you would be interested in just click below to apply.
 


To Activate your card, call:

Visa Credit Card - 1-800-543-5073

To report your card lost or stolen, call:

Visa Credit Card - 1-800-325-3678

For balance inquires or to make a payment by phone, call:

Visa Credit Card - 1-800-322-8472  or visit www.ezcardinfo.com!

To sign up for Visa alerts click here.



Visa Classic Credit Card Disclosure:
 
Annual Percentage Rate (APR) for Purchases
12.95% Fixed*
Cash Advance APR
12.95% Fixed*
Balance Transfer APR
12.95% Fixed*
Grace Period for Repayment of Balances for Purchases
25 Days on Average**
Method of Computing the Balance for Purchases
Average Daily Balance (including new purchases)
Annual Fees
None
Minimum Finance Charge
None
Transaction Fee for Cash Advances
None
Balance Transfer Fee
None
Over-the-Limit Fee
None
Late Payment Fee
$25.00
Return Payment Fee
$25.00

 * Annual Percentage Rate (APR) may be higher and will be determined by Equifax Beacon Score on date of Visa approval, request for a limit increase, or re-evaluation by the credit union.

** A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid finance charges.

A finance charge will be imposed on Cash Advances from the date of the Cash Advance, or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue until payment in full is made.


All Visa Credit Cards
issued by Vision Financial Federal Credit Union can only be used in the United States!

The information about the costs of the card described in this application is accurate as of February 2010. This information may have changes after that date. To find out what may have changed, write us at P.O. Box 15818, Durham, NC 27704-0818 or at our website at www.vffcu.org.