Visa ® Benefits
With card options to fit your individual needs, True Sky Credit Union's Visa® Credit Cards are sure to be a perfect fit.
Cash Back Card:
Cash back on every purchase
No annual fee Zero liability on purchases (PIN based tr do not apply) ansactions Online payments and balances Up to $250,000 in travel accident insurance Auto rental insurance
Platinum and Gold Cards:
ScoreCard Rewards
Zero liability on purchases
(PIN based transactions do not apply)
Online payments and balances Up to $500,000 in travel accident insurance Auto rental insurance Warranty manager Emergency/travel assistance services Emergency card/cash disbursement Cardholder inquiry service (800) VISA-911
Classic Card:
Zero liability on purchases (PIN based tr do not apply) ansactions Online payments and balances Up to $250,000 in travel accident insurance Auto rental insurance How We Will Calculate Your Balance: We use a method called 'average daily balance'. (including new purchases)
Share Secured · Platinum · Gold · Classic · Cash Back
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · 5.99% · 7.99% · 11.99% · 13.90% · 16.99%
APR for Balance Trans- fers and Cash Advances · 5.99% · 7.99% · 11.99% · 13.90% · 16.99%
How to Avoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. Wewill not charge you any interest on purchases if you pay your entire balance by the due date each month.
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
Annual Fee · None
Transaction Fees Balance Transfer Cash Advance Foreign Transaction · 3%of the amount of each balance transfer . No grace period . No cash advance fee. No grace period on cash advances. 1.00% of each transaction in U.S. Dollars
Penalty Fees Late Payment · up to $25.00
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.
This information is accurate as of J uly 2019 and is subject to change. You should contact us for any changes to this information at (800) 448-1990, or write to us at P.O. Box 26406, Oklahoma City, OK 73126. You have no grace period in which to repay your balance for cash advances before a finance charge will be imposed. 2020
To report a lost or stolen card, call 800.453.4270.
