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Credit Cards

Credit Cards

Features

  • Variable rates as low as 10.90% APR*IBMSECU Visa Platinum credit card
  • 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:
          5.75% 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
  • Lock your card using Card Control to prevent unauthorized users from making purchases if your card is lost or stolen or while traveling
  • Visa® Card Rates and Details

Additional Features

  • 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

We make it easy to apply for your Visa® Credit Card!

Apply Online Now 

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

Convenient Repayment Options

  • Use QuickPay to pay your Credit Union loan using a credit card, your IBMSECU account, or an external account. Schedule one-time or recurring payments from your computer or phone 24/7.
  • Transfer your payment from your account at another financial institution using eTransfers.
  • 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.
  • Set up email or text alerts through eMessenger Alerts for convenient payment reminders.

Education

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.

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

Verified by VISA
Verified by Visa enrollment is no longer required on IBMSECU cards, but rest assured that your Visa card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption.

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

 

Need Help?

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?

If your IBMSECU credit or debit card was lost or stolen, you can lock your card using Card Control to prevent unauthorized users from making purchases. If you later find your lost card, you can unlock it yourself at any time. After locking your card, you will still need to contact us to report it lost or stolen and order a replacement. 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.

Fraud Alerts

To help protect your account, transactions made with your IBMSECU credit or debit card are monitored for unusual or suspicious activity. If we suspect a purchase is fraudulent, we will notify you right away so that you can verify the transaction or freeze your card to prevent further fraud.

If we have a cell phone number for you, we will first notify you via text message from the text short code number 32874. If we do not get a response to the text or if you do not have a cell phone number on file with us, we will notify you by phone call. Please make sure that we have your current phone numbers so that we can quickly contact you. You can check your contact information and make updates through Online or Mobile Banking - just click on "Settings" and then select "My Account Profile."  

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.

New card? No problem.

Save your IBMSECU Credit or Debit Card for things like bill payments and online purchases — and we can update your payment info automatically when it changes and your card is re-issued.*
  • Skip the hassles of updating your payment info
  • Avoid declined payments
  • Prevent service interruptions

Save your card today and enjoy simpler updates with many billers and merchants.

*Not all merchants participate in automatic updates. Updates are not guaranteed before the next billing cycle.

Compare your card to an IBMSECU Visa Platinum

. IBMSECU Visa® Platinum
IBMSECU Platinum Card
Your Credit Card
Rate* for Purchases 10.90%-18.00% APR Variable .
Rate* for Cash Advances Same interest rate as Purchases .
Rate* for Balance Transfers as low as 5.75% .
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 10/1/2018. 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 10/1/2018 is 5.25%.

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

For more information, please refer to our Credit Card Agreement
Learn more about the Visa Zero Liability Policy

*APR = Annual Percentage Rate. Actual loan rate will be based upon the borrower'(s) creditworthiness. Click here for full Visa® Credit Card Disclosures. Credit subject to approval and income verification. Certain conditions may apply.

**Balance Transfer rate of 5.75% APR for the life of the transaction offer valid for credit scores of 660+. Lower credit scores may receive a Balance Transfer rate of 10.75% APR for the life of the Balance Transfer transaction. Balance Transfer transactions must be processed by Credit Union personnel during the first 90 days of the life of the new credit card. Online Banking transfers and overdraft transfers are processed as Cash Advance transactions, therefore, they do not qualify as Balance Transfer transactions. Balance Transfer proceeds may not be used to pay down or towards another IBMSECU loan or debt. 5.75%/10.75% offer valid for new Visa® Platinum credit cards issued.

Events

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Financial Planning & Investment Services "Meet and Greets" on Oct 1 - Nov 1

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International Credit Union Day on Oct 18

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BALANCE Webinar: SAFEGUARDING KIDS’ IDENTITY AND ONLINE PRIVACY on Oct 18

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