VISA Credit Card

Learning to use a credit card responsibly is an important financial lesson. An SECU VISA credit card can be used to make purchases, receive cash advances or act as overdraft protection for your Z-Checking account. For Zard members under 18, a parent or legal guardian must be a co-borrower.

• Current interest rate is % APR¹
• Minimum interest rate of %, maximum rate of %
• No annual fee, although late payment and over-the-limit fees do apply
• 30-day grace period on purchases if balance is paid in full each month
• Accessible through ASK SECU, Member Access and any ATM displaying the VISA logo
• Low monthly payments
• Annual credit card summary statements available upon request
• Recognized worldwide
• Member ID photo may be added for additional security

A VISA credit card means more financial responsibility. Here are a few tips when paying your credit card bills.

• Maintain a record of all your purchases to be sure you will have enough money to pay the bill.
• Credit card statements are sent to your home once a month which list all transactions. Review and compare this to your records to ensure the statement is accurate and no one is falsely using your information to make purchases.
• Pay your payments on-time and in full to avoid late payment fees and interest. This will build your credit record.

Building and maintaining your credit is important for your future. Once you use a VISA credit card over several months and pay the bills on-time, you will accumulate credit in good standing. Any late payments will hurt your credit, which will hinder you when applying for loans and other credit cards. Because of poor credit, you may not be approved for a loan or additional credit cards. Also, you could face high interest rates.

For further information regarding the SECU VISA credit card program, please refer to the Credit Card Services brochure.

Related Links

• Cardholder Disclosure & Agreement