My Visa Card Pre-Approval

My Visa Rate Pre-Approval

With your pre-approval offer from UCSCU, you can now stop spending too much on higher-interest credit cards!

Check your special rate by entering the following information. Have questions? Don't hesitate to contact us at (888) 367-6928!

First Name(*)

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Last Name(*)

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Account / Member Number(*)

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Zip Code(*)

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Your Pre-Approved Terms:

Annual percentage rate

The cost of my credit as a yearly rate

Credit Limit

Your maximum approved credit limit amount

Click to View Terms and Conditions for Visa Platinum Card

Annual Percentage Rate for Purchases	9.90% to 18.00%
Other APRs Cash Advances and Balance Transfers	9.90% to 18.00%
**Default Rate	18%
Penalty APR and When It Applies	This APR may be applied if you: 1) Make a payment that is 60 days late. How Long will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Annual Fee	None
Transaction Fees	- Balance Transfer: None - Cash Advance: None - Foreign Transaction Fee: 1% of each transaction in U.S. dollars
Penalty Fees	- Late Payment Fee: Up to $15.00 - Returned Payment: Up to $35.00 - Over-the-Credit-Limit: Up to $10.00 - Document Copy Fee: $5.00 - Emergency Card Replacement Fee: $45.00 - Rush Fee: $90.00 - Statement Copy Fee: $5.00
Other Fees	None
Minimum Payment	2.5% of outstanding balance or $25, whichever is greater
How We Will Calculate Your Balance	We use a method called "average daily balance (including new purchases)."
Effective Date:	The information about the costs of the card described in this application is accurate as of: September 09, 2021 This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Do you accept these terms and conditions? (*)

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Do you want to take advantage of the Balance Transfer offer?(*)

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Add Over-the-Limit Coverage?(*)

I do not want over-the-limit coverage. I understand that transactions that exceed my credit limit will not be authorized.

I want over-the-limit coverage. I understand that if I go over my credit limit, I will be charged a fee of $20. [I have the right to cancel this coverage at any time.]

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