VISA Credit Cards
Click Here to access your VISA card information online.
When you use a VISA Credit Card from Peoples Trust Credit Union, you have the freedom to make purchases anywhere in the United States and Canada. It's convenient, safe and easy to use. All three PTCU VISA credit cards feature a 25 day interest free period and NO annual fee.
Application and Disclosure
Apply today for your credit card using our convenient
Visa Application. Please review the required
Credit Card Disclosure below.
VISA Classic
- Credit Limits up to $5,000
- Low 5.99% Introductory Annual Percentage Rate (APY) for the first six months after the account is opened.
- 13.8% Fixed APR (normal rate)
- 24-Hour ATM Access at all machines displaying the VISA logo
- Travel Accident Insurance of $250,000, when you purchase tickets on a common carrier using this credit card
- Auto Rental Collision Damage Waiver Insurance.
VISA Gold
- Credit Limits starting at $2,000
- Low 3.99% Introductory Annual Percentage Rate (APY) for the first six months after the account is opened.
- 12.5% Fixed APR (normal rate)
- Travel Accident Insurance of $250,000
- Travel & Emergency Assistance
- Auto Rental Collision Waiver Insurance
- Reward Program
VISA Platinum
- Credit limits starting at $3,000
- Low 3.99% Introductory Annual Percentage Rate (APY) for the first six months after the account is opened.
- 9.5% Fixed APR (normal rate)
- Travel Accident Insurance of $250,000
- Auto Rental Collision Damage Waiver
- Reward Program
View Credit Card Balance and Make Payments in Home Teller
The "Account Summary" screen in Home Teller shows the balance of your credit card as of the previous business day. You can use the "Account Transfer" feature to make payments on your Peoples Trust Visa Credit Card. The balance shown in Home Teller will be updated on the second business day.
| Annual percentage rate (APR) for purchases |
| VISA Classic |
13.80% |
| VISA Gold |
12.50% |
| VISA Platinum |
9.50% |
|
| Introductory APR for the first six months after the account is opened |
| VISA Classic |
5.99% |
| VISA Gold |
3.99% |
| VISA Platinum |
3.99% |
|
| Other APRs |
| Cash Advances |
Same as above |
| Balance Transfers |
Same as above |
|
| Interest Free period for purchases |
At least 25 days if the New Balance is paid in full by the Payment Due Date |
| Method of computing the balance for purchases |
Average Daily Balance (excluding new purchases) |
| Annual Fee |
None |
| Minimum finance charge |
None |
| Transaction fee for Purchases
| None if made in the U.S. in U.S. funds; 1% if transaction is made in a
foreign country or in a foreign currency. |
| Late payment fee |
$25.00 (charged if minimum payment is not received by the 5th day after the due date) |
| Transaction fee for cash advances |
None if made in the U.S. in U.S. funds; 1% if transaction is made in a foreign country or in a foreign currency. |
| Returned check fee |
26.50 |
| Sales draft copy |
5.00 |
| Monthly statement copy |
3.00 |
|
Payment Due Date: The Payment Due Date is the 10th of each month, or the next business day if the date falls on a holiday or a weekend.
Minimum monthly payment: 3% of the outstanding balance or $20, whichever is greater. If your balance is less than $20, your minimum payment will equal the balance amount.
