VISA® Credit Card

LVECU offers 2 different VISA Credit Cards, below is information to see which card fits you best.

Interest Rates and Interest Charges	Visa Prestige	Visa Platinum
	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 Charge	None	None

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

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.

Other Disclosures
Late Payment Fee	$10.00 or the amount of the required minimum payment, whichever is less, if you are 30 or more days late in making a payment.
Returned Payment Fee	$25.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee	$2.00 per page
Document Copy Fee	$10.00
Rush Fee	$50.00
PIN Replacement Fee	$2.00
Card Replacement Fee	$5.00
Visa Dispute Fee	$20.00

How we will calculate your balance: We use a method called "average daily balance (including new purchases)."

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.

FAQ

How do I report a lost/stolen credit card?
As soon as you notice your card has been lost or stolen, call us immediately.
If during business hours: 610-820-0145, Ext. 503
After business hours: 1-800-991-4961
Toll Free (M-F 8am-10pm): 1-800-433-0505.

You may receive a cash advance by presenting your credit card with your driver’s license at an LVECU location, at any other financial institution that is a Visa^® member, or by calling the call center at 610-820-0145. Cash advance funds can also be accessed through ATMs that display the Visa^® logo. To obtain a cash advance at an ATM, you will need to use your credit card and Personal Identification Number (PIN).

Can I look at my balance and transactions online?
Yes, you can. Go to ezcardinfo.com and click on the link to enroll. Enter the information requested. Once you're logged in, you can obtain current account information, such as balance, limit, last payment, and recent transactions. Once logged in you can also enroll in paperless statements.

I will be traveling overseas. Where can I use my Visa Platinum Credit Card?
Visa^® is accepted at merchants worldwide. To use your Visa^® card at an ATM machine, see Visa's web site for a list of ATM machines in the area you plan to visit.

Verified by Visa^®is a unique service that uses a personal password to help protect Visa^® card numbers against unauthorized card use while shopping online at participating stores.

How do I increase or decrease my credit limit?
You must apply for a credit limit increase. Fill out a new Visa^® application obtained from the credit union office, apply online, or call the call center to have one mailed to you. If you apply online, indicate in the comments that you wish to increase your limit, and to what dollar amount. For a limit decrease, simply send a letter signed by all cardholders to:

LVECU
Attn: Plastic Card Coordinator
3720 Hamilton Blvd
Allentown PA, 18103

Provide your card number and indicate that you want to have your limit lowered to the amount you specify. A form is also available at any branch or you can call the call center and have the form mailed to you.