Frequently Asked Questions > Credit Cards

VISA

How do I apply for a VISA Credit card?
What is the difference between a Classic and a Secured VISA card?
How can I calculate my rebate?
Where will my rebate go, and when will I receive it?
What is the maximum signature secured amount that Unitus will lend?
What should I do if I discover an unauthorized transaction on my account? What does this mean?


VISA

Q: How do I apply for a Visa Credit card?
A: You can apply for a VISA Credit card by completing a loan application online or by contacting a Member Service Representative (MSR) by dialing (800) 452-0900 and selecting option 1.

Q: What is the difference between a Classic and a Secured VISA card?
A: A Secured VISA card is protected by a permanent hold placed on money in your savings account equal to one-and-a-half times the requested credit limit.

Unitus' Secured VISA features low variable rates with no annual or cash advance fees, auto rental/travel accident insurance, emergency card replacement, zero liability for fraudulent charges, fraud protection and a Verified by Visa guarantee. Once you make 12 consecutive monthly payments, you'll be upgraded to a VISA Classic Card.

Our VISA Classic card offers you a low interest rate, no annual fees, a 25 day, interest-free grace period, and a 1% cash rebate* on purchases and local service! VISA Classic cards can even be used as overdraft protection on for checking account.

*Rebate accumulates October 1 through September 30 and is credited to your October Prime Share account. Your Unitus Visa account must be open on the date the rebate credit is posted. Unitus Community Credit Union reserves the right to discontinue the 1% rebate offer at any time. This rebate is not calculated on cash advances, returns, or the first $1,000 of purchases made during the rebate period.
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Q: How can I calculate my VISA rebate?
A: Please refer to your statement where it displays the amount purchased towards your 1% rebate. You must subtract $1,000 from the shown balance, and then calculate 1% of the remaining dollar amount.

For example: If your statement shows the amount purchased as $2,400, then your rebate would be $2,400 - $1,000, which equals $1,400 multiplied by 1% (or .01), which equals a total of $14.

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Q: Where does my rebate go, and when will I receive it?
A: Rebates are posted to your Prime Share account every October.

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Q: What is the maximum signature secured amount that Unitus will lend?
A: The maximum signature secured amount Unitus will lend is $30,000; this amount may vary based on individual financial situations.

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Q: What should I do if I discover an unauthorized transaction on my account?
A: If you discover an unauthorized transaction on your account, immediately contact Unitus. You can block your VISA at any time by calling (800) 452-0900 or (503) 227-5571 and following the prompts for a lost or stolen card.

For follow-up purposes, you can call Unitus during regular business hours to complete the report. Contact a Member Service Representative at (800) 452-0900. Select option 1, then option 4.

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