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Visa Credit Card
Take Charge of your future with a PEFCU VISA Credit Card. Not all credit cards are created equal. PEFCU is proud to stand out in the crowd by offering a great VISA Credit Card program.
Our program offers great ScoreCard Bonus Points for gift and travel incentives. You will earn 1 point for every $1 purchase made.  And, in the months of November and December you will earn double points – that’s 2 points for every $1 purchase.
Also, transfer your high interest rate balances to the PEFCU VISA card.  We will give you matching ScoreCard Bonus Points for your transferred balance. 

ScoreCard Bonus Points - View Catalog of Gifts and Travel Benefits    

               
 
 
Visa Credit Card - Report lost, stolen, or compromised cards immediately
If you believe that your card has been lost, stolen, or compromised, call toll-free 1-855-477-1129. Help is available 24 hours a day 7 days a week. Also, examine your statements promptly to identify unauthorized transactions. 
Fraud Protection
We have enhanced our Visa program with Fraud Protection. When a transaction on your card appears to fall outside of your usual spending pattern, an alert is created and sent to a fraud analyst or automated voice system which will then contact you at home, at your office, or on your cell phone to verify whether you authorized this transaction. Part of the verification will be to ask you to confirm the last 4 digits of your Social Security number on file.
If we are not successful in contacting you, a decision will be made on your behalf to block future transactions until you can be reached for confirmation. Therefore, it is extremely important that we have your most up to date contact information on file. Please contact us at 1-800-226-6673 if you feel your contact information needs to be updated or if you would like to add/update your cell phone number on our files.
And, Get peace of mind when you shop online with Verified by Visa
Our credit cards offer comprehensive fraud protection, but Verified by Visa goes even a step further, adding an extra layer of security at the point where you enter credit card information online. The service helps prevent unauthorized online use before it happens by confirming your identity with an additional password.

When you shop at participating online stores, you’ll enter your Visa credit card number, plus your unique Verified by Visa password. It’s that easy. And your card information is secure!

Register today! It’s free and takes just a moment. Let Verified by Visa help protect you when you shop online.
 
Credit Card Terms
Annual Percentage Rate (APR) for purchases
 
 
 
 
   
9.9%, 10.5%, 10.9%
non-variable. The rates vary depending
on the type of card you qualify for based
on your creditworthiness when you open
your account.

Annual Percentage Rate (APR) for Balance Transfers
 
 
    
 
9.9%, 10.5%, 10.9%
non-variable. The rates vary depending
on the type of card you qualify for based
on your creditworthiness when you open
your account.

 Annual Percentage Rate (APR) for Cash Advances
 
 
 
 
  
9.9%, 10.5%, 10.9%
non-variable. The rates vary depending
on the type of card you qualify for based
on your creditworthiness when you open
your account.

Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases or balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Annual Fee
Card Replacement Fee
None
$10.00
Minimum Monthly Payment
3% of balance
Method of computing the Balance for purchases
Average Daily Balance
Penalty Fees
        Late Payment Fee
        Return Payment
 
Up to $20.00
$25.00
Credit Card Statement Copy
$2.00
Over-the-Credit-Limit Fee
None
International Transaction Fee
.8% of the International Transaction Amt
International Currency Conversion Fee
1% of the International Transaction Amt
How we will calculate your balance
 
 
We use a method called “Daily Balance (including new purchases)”.See your Account Agreement for more details.
Billing Rights
Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.
 
 
Additional Benefits
·         Worldwide acceptance
·         Travel insurance benefits
·         Visa’s zero liability policy
·         Cash advances from any ATM displaying the VISA logo
2010 Credit Card Act,click here to print/read.
 
EHL
NCUA

The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government. For more information on the NCUA, please visit their website at www.ncua.gov.