Credit Cards
| You have probably heard a lot of about credit cards in the news recently. Recently, Congress passed the Credit Card Accountability, Responsibility, and Disclosure Act of 2009. While many other financial are finding new ways to increase rates or fees, NCP CD is proud to inform you that we have not increased our rates or our fees. We still have the same great rates and service you have to come to expect from your credit union. Here are some things you should know about our credit card program:
1. We still offer a low fixed rate credit card. While other financial institutions have switched to higher rate variable rate cards, our credit cards start with a low fixed rate of 7.99% APR, depending upon which credit card option you choose. 2. We offer 2 great card options. Our low rate VISA Platinum card is designed to give you the most competitive rate available. Our VISA Platinum Rewards card gives you rewards points for merchandise, travel and unique experiences. 3. We never charge a balance transfer fee or cash advance fee. Many other credit card companies charge 2% or more for a cash advance or balance transfer fee. Compare the NCP CD FCU credit card to any other credit card program and you will find that we offer a consumer friendly and competitively priced credit card that is designed to meet your needs. If you would like to view our disclosure, please click here. If you would like to speak with a representative, please call 757-523-5353, or visit our branch for more details. *APR = Annual Percentage Yield |
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An NCP credit card is a valuable tool. When one is in your wallet, it's working to save you money - with annual percentage rates (APR) as low as7.99%; and working to save you time - with the convenience of knowing it is accepted at hundreds of thousands of locations throughout the world.
NCP offers members credit card choices designed to meet your needs:
- VISA Platinum Rate Card
- VISA Platinum Reward Card
There are many benefits of our credit cards including, but not limited to: No Annual Fee, No Cash Advance Fee, Low Annual Percentage Rates, 25 day grace periods, Travel Insurance, and Bonus Points.
Take a look at this chart to compare our credit card products and determine which one is right for you.
Card Type Details |
VISA Platinum Rate |
VISA Platinum Reward |
||
|---|---|---|---|---|
| Credit Line | Minimum $500 | Minimum $500 | ||
Annual Fee |
None | $25.00 (waived if more than 6 transactions in 12 months or $500 in purchases) |
||
| Transaction Fees (Cash Advance Fee, Balance Transfer Fee) | None | None | ||
| APR for Purchases, Cash Advances & Transfer* | 7.99% - 17.99% | 9.49% - 17.99% | ||
| Performance Rate** | 18.00% | 18.00% | ||
| Grace Period | 25 days | 25 days | ||
| Late Payment Fee | $25.00 | $25.00 | ||
| Over-limit Fee | $25.00 | $25.00 | ||
| Bonus Points | -- | ScoreCard Bonus Points |
* ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). Lines of Credit are subject to approval. We reserve the right to periodically review your account which may result in your interest rate being changed. Please refer to your "Important Information About Your Credit Cards" insert for further explanation.** A Performance APR of 18.00% will be imposed on the total balance if your account becomes 2 times 30 days past due or 1 time 60 day past due in the current and preceding 11 months.Changes to This Plan: We reserve the right to change any and all of the terms of this agreement. For example, we can change the type and amount of the fees we charge, the interest rate, and the minimum payment amount, as well as the other features of this plan.
