Lehigh Valley Educators Credit Union
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VISAź Credit Card

 

  

 

Prestige VISA Credit Card
Click here to enter the secure prestige VISA Credit Card application.
Platinum VISA Credit Card  
Click here to enter the secure platinum VISA Credit Card application.

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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

APR* for purchases

7.00%*

12.90%

APR* for Cash Advances

7.00%*

12.90%

*APR=Annual Percentage Rate. APR will vary with the market based on the Prime Rate
APR for Balance Transfers

6.25%

6.25%

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 February 1, 2017. 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.

What do I do if I need a cash advance?

You may receive a cash advance by presenting your credit card with your driver’s license at any 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).

 

What is the minimum amount I can take for a cash advance?
There is no minimum amount.

 

Where do I send my payments?
You can make payments at LVECU, pay online through e-tran, ezcardinfo or send your check to:
LVECU
3720 Hamilton Blvd
Allentown, PA 18103

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 website for a list of ATM machines in the area you plan to visit.

What is Verified by VISA®?
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.

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