Credit Cards
Your Vocality Community Credit Union VISA® Credit Card may be used anywhere VISA® Credit Card is accepted and provides these benefits to our members:
No annual fee
24 hour toll-free telephone access to credit card information at 1-800-872-1712
Online, secure credit card information 24 hours a day on online banking under the tab “My Credit Card”.
15 day grace period
| VISA® Credit Card | Classic | Secured | Platinum |
|---|---|---|---|
| Annual Percentage Rate for purchases | as low as 12.90% | as low as 14.90% | as low as 13.90% |
| Grace period for repayment of balances for purchases | 25 Days | 25 Days | 25 Days |
| Method for computing the balance for purchases | Average Daily Balance (including new purchases) | Average Daily Balance (including new purchases) | Average Daily Balance (including new purchases) |
| Annual Fee | None | None | None |
| Minimum Interest Charge | None | None | None |
| Balance Transfer Fee | 2.00% | 2.00% | None |
| Cash Advance Fee | 2.00% | 2.00% | 2.00% |
| Late Payment Fee | $15.00 | $15.00 | $15.00 |
| Foreign Transaction Fee | Multiple-Currency 1.00% Single-Currency 0.80% |
Multiple-Currency 1.00% Single-Currency 0.80% |
Multiple-Currency 1.00% Single-Currency 0.80% |