VISA® Credit Cards
At Piedmont Hospital Federal Credit Union, we offer the VISA® Platinum credit card. Your credit card should offer convenience, not high costs. Why spend more on fees and interest charges than you have to? Discover the savings of a Piedmont Hospital Federal Credit Union VISA® Card. You'll enjoy the following benefits:
- No annual fee
- No balance transfer fee
- No foreign transaction fee
Click here to apply for the VISA® Platinum credit card. Please click here to report a lost or stolen Piedmont Hospital Federal Credit Union VISA® Platinum credit card.
| CREDIT DISCLOSURE | |||||||||
| Interest Rates and Interest Charges | |||||||||
| Annual Percentage Rate (APR) for Purchases | 8.9% to 17.90% when you open your account, based on your creditworthiness |
||||||||
| APR for Cash Advances | 8.9% to 17.90% when you open your account, based on your creditworthiness | ||||||||
| APR for Balance Transfers | 8.9% to 17.90% when you open your account, based on your creditworthiness | ||||||||
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each biling 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 Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
||||||||
Fees |
|||||||||
|
|
||||||||
|
|
||||||||
|
|
||||||||
How We Will Calculate Your Balance. We will 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 October 1, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are fice (5) or more days late in making a payment.
Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.
Pay-by-Phone Fee: $5.00
