VERIFIED BY VISA |
Protect your VISA Card online with a personal password.Click here to secure your card now. |
RATES |
Classic Card Platinum Preferred Card
Purchases: 10.9%-15.90 APR Purchases: 6.9% APR
Cash Advances: 10.9%-15.90 Cash Advance: 6.9% APR
ABOVE RATES ARE BASE RATES. YOUR INDIVIDUAL RATE MAY BE LESS OR MORE DEPENDING ON YOUR INDIVIDUAL FAIR ISAAC SCORE.
Maximum line of credit if qualified: Classic Card $10,000 Platinum Preferred Card $15,000 |
FEES/CHARGES |
| Annual Fee None |
Transaction Fee None |
Minimum Service Fee None |
| Grace Period for Purchases 25 Days |
| One Time Application Fee $10.00 |
| Late Payment Fee $25.00 |
Returned Payment Fee $25.00 |
| Card Replacement Fee $10.00 |
| Emergency Card Replacement Fee $200.00 |
| Statement Copy Fee $5.00 |
PAYMENTS |
You must pay a minimum payment each month of 2.75% of the outstanding balance or $15.00 whichever is more.You must also pay as part of the minimum , any amount you have used that exceeded your credit limit as well as any prior minimum payments you have not made.
You can make payments to your Visa card any time at ezcardinfo.com. Click here.
Please use the calculator to get a close approximation of what your monthly payments will be. The figures include insurance. Click here. |
AUTOMATIC PAYMENT PLAN |
You can choose from one of the following options and have your VISA payment made automatically each month from your CWA Long Island Credit Union Checking Account.The minimum payment due
- A percentage of the outstanding balance
- The entire outstanding balance
|
INSURANCE |
| The credit union offers insurance on the VISA card. This insurance will pay a loan off in the event of death or if you become unable to work for 14 days or more the insurance will cover your monthly payments for as long as your are disabled. Please call the credit union for more details and the monthly cost of insurance that would be included in your minimum monthly payment amount on your VISA Statement. |
HOW TO APPLY |
You can download a VISA Application fill it out and mail it or bring it to a credit union office or you can call the credit union and one will be sent to you. You can also stop in and fill it out at the office. You must include a recent pay stub or a copy of it with the application.
If you do not have Adobe Acrobat Reader, you can obtain a free copy by clicking here. |
REQUEST A COPY OF YOUR CREDIT CARD AGREEMENT |
| To request a copy of your credit card agreement
Click here or you can call the main office at 631-585-4600 or write to CWA LIFCU 841 Portion Rd. Suite H, Ronkonkoma,NY 11779. |
HOW LONG WILL IT
TAKE TO GET A VISA CARD |
Once the Credit Union receives your application and a paystub, a decision will be made usually within two working days.Once approved it will be approximately ten to fourteen days until you receive your VISA Card and PIN Number. |
HOW WILL I KNOW IF MY
APPLICATION WAS APPROVED? |
If you don't receive notice of the decision within three or four days after applying, call the Credit Union. |
