SAFE Credit Cards. All you need.
The Choice is Yours! MasterCard, VISA®, VISA® Gold or VISA®
Platinum. Depending on your lifestyle, how you use your card
and the way you make your payments.
Because...Life Should Be Rewarding
SAFE Federal Credit Union credit cards are now enhanced with
ScoreCard Rewards! These cards now earn Bonus Points for every
purchase you make!
Once you have accumulated enough Bonus Points, you can redeem
them for brand-name merchandise and exciting travel rewards.
Use your SAFE Federal Credit Union card for all your purchases
and you will be surprised how quickly your Bonus Points add up!
For a complete list of rewards, click on the link below, and
enter your card number:
Visa Security Sense
Visa has launched a new website at an aim to help cardholders
and small businesses protect payment card account information and
avoid payment card scams. The site named, Visa Security
Sense, provides cardholders tips with practical know-how for
protecting account information and resolving unauthorized card
use.
Highlights of the website include:
- Tips for Preventing Fraud
- Fraud News
- Resources for Fighting Fraud
How Visa Protects You
"Visa's site is intended to empower cardholders with information
to prevent fraud, avoid deceptive marketing practices and learn
about important protections and resources available to them." -
Jennifer Fischer, Head of U.S. Payment System Risk, Visa, Inc.
Summary Table of Interest Rates and Interest
Charges
|
Rate (APR) for Purchases
|
7.96% to 17.96%
Your rate is based on your credit
worthiness
and financial score related to your credit report.
|
|
APR for Balance Transfers
|
No change on assigned APR
|
|
APR for Cash Advance
|
No change on assigned APR
|
|
Penalty APR
|
17.96%
This APR may be applied to your account if
you
- Make 4 payments over 30 days late and 1 payment over 60 days
late in 24 months,
- Make a payment that is returned;
- Review of your credit worthiness indicates changes to your
beacon score; or
- Do any of the above on another account that you have with
us
How long will the Penalty APR apply? If
your APR is increased for any of these reasons, the Penalty APR
will apply until you make six (6) consecutive minimum payments on
or before the due date.
|
|
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 any interest on
purchases if you pay your entire balance by the due date each
month.
|
|
Minimum Interest Charge
|
If you are charged interest, the charge will be
average daily balance times periodic rate.
|
|
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
Federal Reserve Board at
federalreserve.gov/creditcard
|
