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Overview
The Benefits of a PDCU Low Interest Credit Card
- Pay for purchases and services worldwide
- No annual fee and a 25-day interest-free period
- ATM Access at all machines displaying the VISA logo
- Auto Rental Collision Damage Waiver Insurance
Low Interest Credit Card Offer
A low-interest credit card makes large balances more manageable. Therefore, if you carry a balance from one month to another, a low APR credit card could be a good fit.
5.99% introductory APR rate*
A great credit card to use when the goal is to pay the least amount of interest possible.
Start saving on interest today!
When you use a Visa® credit card from PDCU, you have the freedom to pay for goods and services anywhere in the world! Plus a 25-day interest-free period plus No annual fee.
Click here if you need to report a lost or stolen Visa Credit Card.
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Mortgage Refinance
Why not bundle all your debt into a low interest rate and improve monthly cash flow.
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Simplify your debt
And your life, with a single monthly payment on an affordable, fixed-rate loan.
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Member Reward Offers
We believe our members deserve to be rewarded that is why PDCU rewards you for all types of activity.
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Rates
Rates
Credit Cards
Rates Effective as of: 11-09-2024Type Minimum Payment Term Rate (APR) Intro Rate (APR) VISA PLATINUM 3% of Balance, $20 Minimum 9.50% 3.99% for 6 months VISA CLASSIC 3% of Balance, $20 Minimum 13.80% 5.99% for 6 months The rate on all Visa credit cards may increase to 15.0% APR if the minimum payment due is not paid for two consecutive months.
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FAQs
Frequently Asked Questions
To report lost or stolen card you must call Visa directly at 800-325-3678. Once you have done so please call us at 844-700-7328 to let our VISA department know you have reported your card lost or stolen so we may place an order for a new card.You can make your payment:- To make a payment from your People Driven account please log into online banking and select ‘transfers’. From there please select where you want to transfer from and select the VISA to transfer to.
- You can also set up an auto transfer to the visa, you can change the frequency to something other than one time.
- To make a payment with a debit card please call 844-700-7328.
- You may also give us a call at 844-700-7328 and a rep may transfer a payment for you from your PDCU savings or checking account.
- If you would like to mail in your payment, please mail it to the credit union:
- 24333 Lahser Rd, Southfield, MI 48033
- Or to PO BOX 984, Southfield, MI 48037
- To make a payment from your People Driven account please log into online banking and select ‘transfers’. From there please select where you want to transfer from and select the VISA to transfer to.
Disclosures
Visa® Credit Card Disclosure Interest Rates and Interest Charges Annual percentage rate (APR) for
Purchases.
5.99% introductory APR for six months based on your creditworthiness. After that, your APR
will be 9.5% or 13.8%, based on your creditworthiness. APR for Balance Transfers 5.99% introductory APR for six months based on your creditworthiness. After that, your APR will be 9.5% or 13.8%, based on your creditworthiness.
APR for Cash Advances 5.99% introductory APR for six months based on your creditworthiness. Therefore, your APR will be 13.8%, based on your creditworthiness. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
In addition For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.Gov/learnmore.
In conclusion, Annual Fee None, Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars. Penalty Fees • Late Payment • Returned Payment Up to $25.00 $30.00 How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).
