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?
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 earns 1 Unitus Rewards point for every $1 purchase! VISA Classic cards can even be used as overdraft protection on for checking account.

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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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