What is the interest rate?
Our Platinum VISA is designed to offer the lowest possible rate based on credit. Your interest rate will be the fixed rate we quote you at the time of your card approval. Our fixed rates range between 10.90-17.90%. Simply put…the higher your score, the lower the rate and best of all, as your score improves over time, you may have the opportunity to further reduce your rate as a reward for your good payment history.
Is there an annual fee?
No. Some financial institutions charge annual credit card fees as high as $30 or more, but not at Heritage Valley FCU. There is NO annual fee whatsoever. All you pay are any interest charges you accrue. That’s it!
Is there a grace period?
Yes. To help you cut your credit card cost even further, your HV VISA features a 25-day interest-free grace period on purchases from statement closing date.
Is the HV VISA accepted throughout the world?
Yes. The VISA credit card is highly recognized and accepted at most every retail or department store, airline, hotel and motel…throughout the United States and all over the world! And if you should ever have questions or problems, you’ll be dealing locally with your credit union—someone you know and trust.
Can I transfer balances from other cards?
Yes. Take full advantage of the low interest rate on your HV VISA. Transfer the balances from your other higher interest rate credit cards (including bank, gas, department store, etc.) and save on finance charges. It’s simple and there are no cash advance fees whatsoever. Contact our Loan Department for details.
How can I make payments?
You can make payments over-the-counter at any Heritage Valley FCU location, by mail, through payroll deduction or periodic transfers, through automatic payments from the financial institution of your choice, through mobile banking or on Heritage Valley’s VISA site at www.eZCardInfo.com . Making payments couldn’t be simpler or more convenient.
Can I access my VISA account information online?
Yes. You can view your VISA account information online at www.eZCardInfo.com. Here you can view statement history, view current balance and payment information, view current and historical transaction activity, make a payment and view payment history, find contact information, and download account transactions into multiple formats.
Can I get cash advances?
Yes. In addition to charging purchases, your VISA credit card permits you to get ready cash—just about anywhere you need it. Unlike other institutions, there is no fee for cash advances (finance charges do apply). There’s no special arrangement to repay. Cash advances show up on your monthly statement along with your purchases. You may also contact Heritage Valley FCU to request your own Personal Identification Number (PIN), which will allow you to make cash withdrawals at ATMs worldwide which display the VISA network symbol.
Can I use my HV VISA for overdraft protection?
No. VISA accounts cannot be used for overdraft protection. Our standard share account overdraft sequence and Overdraft Privilege products are currently in effect. Please refer to your membership materials or contact the credit union for more information.
Are there other card benefits?
Yes. The HV Platinum VISA card features service benefits at no extra cost, including: Auto Rental Insurance, $500,000 Travel Accident Life Insurance Coverage, Warranty Manager Service, and Travel and Emergency Assistance. Policy provisions apply. Verified By VISA is also available, providing additional security when shopping online. We also offer VISA offers a FREE benefit that allows you to receive discounts from national retailers, saving you money on major purchases and even travel. Check out VISA Offers here.