Here's what makes our Visa card better than the
rest:
•
A low rate, which is fixed, not variable
•
A low annual fee
•
25-day interest free grace period
• High
credit limits
•
Worldwide acceptance
•
Secured Visa also available for those who prefer it and those rebuilding
credit.
You can use our Visa card for more than purchases.
You can also use it at thousands of Visa network ATM terminals for
quick cash. (The interest rate for cash advances is the same as
the rate for purchases.)
To apply for
a Visa Classic credit card, print out the loan application.
Complete it and return it to the credit union in person, by fax
or by mail with your two most recent pay stubs as proof of income.
Be sure to check "Visa" as Type of Loan.
To transfer
other credit card and store balances to your credit union Visa,
print out this form, complete it and return it to the credit union
in person, by fax or by mail. We will create a cash advance on your
Visa account an pay the accounts as noted.
Make your Visa credit card payment online through
Sign up today!
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Things You Should Know About the D.C.Teachers FCU Visa Classic Credit
Card
| Annual
Percentage Rate for purchases, Balance Transfers and Cash Advances
(Fixed Rate) |
CLASSIC:
13.50%
APR SECURED: 11.00% |
| Grace
Period for Purchases |
You
have 25 days to repay your balance for
purchases before being charged a finance charge |
| Method
of computing repayment of balances for purchases |
Average
Daily Balance (Including new purchases) |
| Method
of computing repayment of balances for cash advances and balance
transfers |
Finance
charges accrue from date of advance or
first day in billing cycle in which the cash advance
is posted to the account, whichever is later |
| Annual
Fee |
$15.00 |
| Transaction
Fee for Purchases |
None |
| Transaction
Fee for Balance Transfers and Cash Advances |
None |
| Late
Payment Fee |
$30.00
after 15 days |
| Over-the-Credit-Limit
Fee |
$20.00 |
| Balance
Transfer Fee |
None |
| Minimum
Finance Charge |
None |
Non-sufficient
Funds
(Returned Checks) |
$30.00 |
Information provided
is accurate as of April 1, 2006
Accounts
Terms, Disclosures & Agreements
|
