VISA Classic
Credit Card
Searching for the right credit card is easy if you start at Pinnacle
Credit Union. With competitive rates, no annual fee, and easy repayment
options, why look anyplace else? Whether shopping in the mall or
on the web, Pinnacle's VISA is the secure way to shop. As with all
of our loans, the convenience of making your payments through payroll
deduction is available.
Each purchase
that you make with your Pinnacle Credit Union VISA card earns you
ScoreCard points, which can be used to purchase all sorts of things! Click
here to manage your ScoreCard points.
Please click
here to view VISA Classic terms and conditions.
VISA Gold
Credit Card
This prestigious card offers outstanding benefits at an attractive
rate and low annual fee. Credit limits for the Gold Card start at
$5,000. You will enjoy worldwide buying power offered by VISA. It's
the only card you'll need to carry! The VISA Gold Card offers the
following benefits:
- Emergency
Card Replacement and Emergency Cash
- Auto Rental
Insurance
- Purchase
Security and Extended Protection Program
- Medical and
Legal referral service
- Travel Accident
Insurance
- Lost Luggage
Assistance
- Emergency
Ticket Replacement
Each purchase
that you make with your Pinnacle Credit Union VISA card earns you
ScoreCard points, which can be used to purchase all sorts of things! Click
here to manage your ScoreCard points.
| Interest Rates and Interest Charges |
| Annual
Percentage Rate (APR) for Purchases |
VISA Classic
11.50% to 15.50% when you open your account, based on creditworthiness.
VISA Gold
10.00% to 12.00% when you open your account, based on creditworthiness. |
| APR for Cash Advances |
VISA Classic
11.50% to 15.50% when you open your account, based on creditworthiness.
VISA Gold
10.00% to 12.00% when you open your account, based on creditworthiness. |
| APR for Balance Transfers |
VISA Classic
11.50% to 15.50% when you open your account, based on creditworthiness.
VISA Gold
10.00% to 12.00% when you open your account, based on creditworthiness. |
| Paying Interest |
We wil begin charging interest on purchases on the transaction date. |
| For Credit Card Tips from the Federal Reserve Board |
|
| Fees |
Set-up and Maintenance Fees
- Application Fee |
$25.00 (one-time fee) |
Transaction Fees
- Foreign Transaction Fee |
1.00% of each transaction in U.S. dollars |
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
|
Up to 10.00
Up to $40.00
|
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." See your account Agreement for more details.
Effective Date:
The information about the costs of the card described in this application is accurate as of October 1, 2011. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee: $10.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a payment.
Returned Payment Fee: $40.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee: $5.00
Rush Fee: $25.00
PIN Replacement Fee: $3.00
Card Replacement Fee: $5.00
Unreturned Card Fee: None
Pay-by-Phone Fee: $8.00
Verified
By Visa
Your Visa card
is now protected by Verified by Visa -- it password protects your
card for free when you shop online. The next time you shop at participating
online stores, you'll see some new screens. Enter the information
requested to activate your card in order to complete your transaction.
It only takes a moment, and then your card will have password protection
whenever you shop online. Shop online with greater security at participating
stores.
Click
here to learn more about Verified by Visa or to enroll in this
program. Inquiries, regarding Verified by Visa, should be directed
to 1-800-857-3118 for assistance from a specially trained VbV representative.
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