Click on the VISA logo to find out more on how to protect yourself when purchasing on line while using your VISA credit or debit card.
LVECU offers VISA Credit Cards, below is information to see which card fits you best.
| Interest Rates and Interest Charges |
Visa Prestige |
Visa Platinum |
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Variable Rate (Prime + 3.00% APR) |
1% Cash Back Rebate on Purchases |
| Annual Percentage Rate (APR) for purchases |
6.25% (This APR will vary with the market based on the Prime Rate) |
12.90% |
| APR for Cash Advances |
6.25% (This APR will vary with the market based on the Prime Rate) |
12.90% |
| APR for Balance Transfers |
6.49% |
6.49% |
| Minimum Interest Chage |
None |
None |
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| Fees |
Visa Prestige |
Visa Platinum |
| Annual Fee |
None |
None |
| Additional Card Fee |
$5.00 |
$5.00 |
| Balance Transfer Fee |
None |
None |
| Cash Advance Fee |
None |
None |
| Foreign Transaction Fee |
1.00% of each multiple currency transaction in U.S. dollars |
1.00% of each multiple currency transaction in U.S. dollars |
| |
0.80% for each singular currency transaction in U.S. dollars |
0.80% for each singular currency transaction in U.S. dollars |
| Transaction Fee for Purchases |
None |
None |
| Late Payment Fee |
$10.00 |
$10.00 |
| Returned Payment Fee |
$25.00 |
$25.00 |
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| 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 Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
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| The information about the costs of the cards described is accurate as of June 1, 2010. This information may have changed after that date. To find out what may have changed, contact LVECU. |
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