• Variable rates as low as 9.90% APR*
• Credit limits up to $50,000
• No Annual Fee
• 25-Day Grace Period on Purchases
• No Cash Advance or Balance Transfer fees
• Special Balance Transfer offer in the first 90 days:
        5.00% APR for the life of the transaction**
• Unlimited Cash Advances up to your available credit limit (unlike many credit cards that limit cash advance balances to a percentage of your credit limit)
• Convenience Checks available
• Unlike many other credit card companies we will not default to a higher rate if your payment is a few days late
• Visa® Card Rates and Details

• Enroll your Visa® Platinum card in Visa Checkout for easy and secure online purchases
• Cash Access at Financial Institutions and ATMs Worldwide – Visa ATM Locator
• Additional Cards for Authorized Users
• Fraud Protection
• Additional Visa® Platinum Card Benefits such as:

• Auto Rental Collision Damage Waiver
• Travel Accident Insurance
• Travel and Emergency Assistance Services
• Warranty Manager
• Cell Phone Protection
• Out-of-the-country Emergency Replacement Card

• Get discounts with top merchants:
  
  

Apply Online Now 

Or stop by your nearest Branch or contact us  at 800.873.5100, ext. 7701 or loans@ibmsecu.org.

• Transfer your payment from your account at another financial institution using eTransfers.
• Set up email or text alerts through eMessenger Alerts for convenient payment reminders.
• Set up recurring scheduled automatic transfers from your Credit Union checking or savings account to your loan by using Online Banking.
• Make one-time transfers from your Credit Union checking or savings account to your loan by using Online Banking, Mobile Banking, or Telephone Banking.
• Make payment by mail or at a branch or at a CO-OP Shared Branch.

How to choose a credit card

Calculators: Use our financial calculators to figure out how long it will take to pay off your credit card bill and more.

• How long will it take to pay off my credit card?

Helpful Hints When Traveling: Useful information for using your Credit or Debit card overseas.


Create your own personal password to ensure that only you can use your Visa® Credit Card online. Then, shop online with confidence. Click here to sign up today or call 1.866.896.4692.

Chip Technology for IBMSECU Credit and Debit cards - learn more today!

Activate a Visa® Platinum Credit Card?
To activate your Visa® Platinum Credit Card please contact us 24/7 at 800.873.5100 for assistance.

Lost or stolen card?
To report your Visa® Credit Card or Visa® Debit Card lost or stolen, please contact us 24/7 at 800.873.5100 or for assistance.

Lost your card while traveling overseas?
If you are overseas and calling during our business hours, Mon-Thurs 8:00 a.m. – 5:00 p.m. ET or Fri 8:00 a.m. – 6:00 pm ET, we will accept a collect call to report your card Lost or Stolen.
If you are overseas and calling outside of our business hours please contact Visa directly by locating the phone number for the country in which you are traveling.

Credit Card or Debit Card Disputes or Questions
For questions or disputes about your Visa® Credit Card or Visa® Debit Card, please call 800.873.5100 or between 8:00 a.m. and 5:00 p.m. Monday through Friday or email visa@ibmsecu.org.

Fax your Visa® Credit Card disputes to 561.226.5414.
Fax your Visa® Debit Card disputes to 561.226.5401.

	IBMSECU Visa® Platinum	Your Credit Card
Rate* for Purchases	9.90%-18.00% APR Variable
Rate* for Cash Advances	Same interest rate as Purchases
Rate* for Balance Transfers	as low as 5.00%
Application Fee	No
Credit Limit	$500 – $50,000
Annual Fee	No
Cash Advance Fees	No
Balance Transfer Fees	No
Overdraft Protection Option for Your Credit Union Checking Account	Yes
Cash Advance Balance Limit (many cards limit cash advances to a percentage of your credit limit)	No limitation
Reward Points	No
Grace Period on Purchases	Yes, 25 days on average
Automatic Payment Option	Yes
Late Fee	Up to $35
Interest Rate Penalties	Interest rate not increased for late payment
Over-the-Limit Fee	No
Returned Payment Fee	No
Account Alerts on Charges and Payments	Yes, to your email or mobile device
Dispute Resolution	Local, with a Credit Union employee
Online Payment via Online Banking	Yes
Online Advances	Yes, via Online Banking
Account Management	Yes, via Online Banking
Free Travel Accident Insurance	$150,000
Auto Rental Insurance	Yes
Identity Theft Insurance	No, however this coverage is available through your Credit Union checking account relationship
Warranty Manager	Yes
Travel & Emergency Assistance Services	Yes
Cellular Telephone Protection	Yes
Emergency Replacement Card	Yes
Merchant Discounts	Yes**

*Rates effective 7/1/2017. Rate is dependent on credit score. Visa® Platinum index rate is the Prime Rate. Actual rate will be index plus a margin. Rate can change monthly. Prime rate as of 7/1/2017 is 4.25%.

**Variable Rate Visa® Platinum features great discounts with top merchants