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HFS FCU E-Statements


Visa

 

Use it when you travel, for emergency cash, or simply for your everyday spending. Our HFS FCU Visa’s offer low rates, worldwide acceptance, local servicing, and many great features. Select from our HFS FCU Classic or Platinum cards and apply today!


HFS Visa® Platinum

  • Low 8.9% APR
  • Credit limits from $3,000.00 - $25,000.00
  • Grace period on purchases (25 days from the date of your statement)
  • No Annual Fee
  • Earn Scorecard reward points for qualifying transactions and redeem for fabulous gift and travel rewards by visiting www.scorecardrewards.com
  • Monthly statements detailing every purchase
  • Online access through www.ezcardinfo.com (view account balances, check available credit, view monthly statements, pay your bill online & more)

       Additional Benefits of your HFS Visa Platinum Card

  • Visa’s Zero Liability policy – protects you against the liability of unauthorized transactions made from your credit card.
  • Auto Rental Collision Damage Waiver Program
  • $1,000,000 in Travel Accident Insurance
  • Premium Cardcentives including: Identity theft reimbursement insurance, victim assistance, travel reservation service, concierge service, price guarantee, extended warranty and 90 day product protection for purchases made with your VISA.

       View the VISA Platinum Agreement.

       Apply now for a HFS FCU VISA Platinum Credit Card



HFS Visa® Classic

  • Low 11.90% APR
  • Credit limits from $500.00 - $10,000.00
  • Grace period on purchases (25 days from the date of your statement)
  • No Annual Fee
  • Monthly statements detailing every purchase
  • Online access through www.ezcardinfo.com (view account balances, check available credit, view monthly statements, pay your bill online & more)

       Additional Benefits of your HFS Visa Classic Card

  • Visa’s Zero Liability policy – protects you against the liability of unauthorized transactions made from your credit card
  • Auto Rental Collision Damage Waiver Program
  • $250,000 in Travel Accident Insurance
  • Prime Cardcentives including: Identity theft reimbursement insurance, victim assistance, travel reservation service and 90 day product protection for purchases made with your VISA

       View the VISA Classic Agreement.

       Apply for a HFS VISA Classic Credit Card Now


VISA CLASSIC/VISA PLATINUM
Application and Solicitation Disclosure

Interest Rates and Interest Charges
 Annual Percentage Rate (APR) for Purchases

Visa Classic
11.90%

Visa Platinum
8.90%

 APR for Cash Advances Visa Classic
11.90%

Visa Platinum
8.90%
 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 no less than $1.00. The minimum Interest charge will be charged on any dollar amount.
 For Credit Card Tips from the Consumer Financial Protection Bureau 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.
Fees

Transaction Fees
 -   Foreign Transaction Fee


1.00% of each transaction in U.S. dollars
 Penalty Fees
 -   Late Payment Fee
 -   Returned Check/Payment Fee

Up to $25.00
$25.00






























How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."
Effective Date.
The information about the costs of the card described in this application is accurate as of February 1, 2014. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES    
Late Payment Fee 5.00%   of the current minimum payment due if not received within ten (10) days of the payment due date. Minimum fee of $5.00 ; Maximum fee of $25.00. No late fee will be assessed if past due amount is less than $35.00.
Returned Check/Payment Fee $25.00 if your minimum payment is at least $35.00. No fee will be assessed if minimum payment amount is less than $35.00.
Statement Copy Fee $5.00 per copy
Document Copy Fee $25.00 per copy
Rush Fee $80.00 per card
Emergency Card Replacement Fee      $100.00       
PIN Replacement Fee $2.00  
Card Replacement Fee $5.00 per card
Research Fee $25.00 per hour (minimum one (1) hour)
 
Current Month's Minimum Payment. 2.00% of your total new balance, or $35.00, whichever is greater.
Total Minimum Payment Due. The sum of any prior minimum payments that you have not made, any amount you are over your credit limit, plus the Current Month Minimum Payment.
























 

If you would like an HFS Visa Classic or Platinum Credit Card Application mailed to you, please call HFS Federal Credit Union at 930-1400.

Prevent unauthorized purchases by registering your credit card with Verified by Visa.

 

 

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National Credit Union AdministrationEqual Housing Lender

Federally insured by NCUA.
We do business in accordance with the Federal Fair Housing Law.