Viriva Community Credit Union

Credit Cards

Select The VISA® Platinum Credit Card Program That Fits Your Interest!
Viriva Community Credit Union offers two VISA® Platinum Credit Card programs. Members can choose to participate in the VISA® Platinum Rewards Credit Card* program or the VISA® Platinum Low Rate Credit Card program.

Both programs include features like:

No Annual Fee
25 Day Grace Period for Purchases
Low Monthly Payment – 3% of the outstanding balance or $25.00
24 Hour Customer Service when you call VISA® directly at 1-800-299-9842
Low Balance Transfer Fee
Worldwide Acceptance
Credit Life & Disability Insurance Available
VISA® Online Account Access with eZCardInfo
VISA®’s Zero Liability Policy
Travel Accident Insurance

Rest easy that you’re backed by VISA®’s Multiple Layers of Security, in which you are not responsible for fraudulent activity on your VISA® Platinum Credit Card! With low rates and fees plus VISA®’s zero liability policy, this is one card you can afford to use. All qualifying members receive a Platinum Card, regardless of credit limit! You deserve a Platinum Card in your wallet.

Learn More About:

VISA® Platinum Rewards Credit Card
VISA® Platinum Low Rate Credit Card
Build or Re-build Your Credit
Credit Management Coach – By Anytime Adviser
Submit Your Application
Terms & Conditions
Frequently Asked Questions (coming soon)

VISA® Platinum Rewards Credit Card*
With a Viriva CCU VISA® Platinum Rewards Credit Card your everyday purchases can help you earn points towards your next vacation getaway, a brand name gift, or a once in a lifetime experience.

Earn rewards points on everyday purchases and turn your points into rewards that you can truly enjoy. Viriva CCU’s VISA® Platinum Rewards Credit Card program is powered by ScoreCard® Rewards. Every time you use your card, you’ll earn 1 point for every $1 in qualifying net retail purchases.

You can redeem your points for:

Name Brand Merchandise
Flight Awards
Hotel, Car and Activity Awards
Cruises or Vacation Awards
Plus – earn extra points for qualified purchases like airline tickets and cruises.

ScoreCard Rewards offers an easy to use redemption website and provides members with one-stop travel reservations. Call ScoreCard at 1-800-854-0790 or visit www.scorecardrewards.com to learn more.
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VISA® Platinum Low Rate Credit Card*

For those members who are more interested in a lower rate versus a rewards card, we also offer a VISA® Platinum Low Rate Credit Card program. Variable rates start as low as 7.15% APR**. Save with Viriva CCU’s VISA® Platinum Low Rate Credit Card program.
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Build, or Re-build, Your Credit History With Viriva’s VISA® Platinum Secured Card!*

Viriva CCU’s VISA® Platinum Secured Card provides many of the same features as our other Platinum programs. With this account, you can use it to build your credit, for no-credit applicants, or re-build your credit. The VISA® Platinum Rewards Credit Card program is not available to secured card holders, however, those card holders may re-apply at any time, after issuance of a VISA® Platinum Secured Card, for a non-secured VISA® Platinum Low Rate or VISA® Platinum Rewards Credit Card. When you open a VISA® Platinum Secured Card a share pledge of 150% of your credit limit is required. If you default on this account, the Credit Union will apply the shares pledged toward the repayment of any amount owed on your VISA® Platinum Secured Card.
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Submit Your Application
Current members can apply online for a Viriva CCU VISA Platinum Credit Card by clicking here and selecting VISA Platinum! To download a printable application, click here.

Not yet a member of Viriva CCU? Becoming a member is easy; click here to submit a membership request now.
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Terms & Condition

VISA Platinum Rewards Card Program
Interest rates and interest charges
Annual Percentage Rate (APR) for Purchases	9.15% to 18%** when you open your account, based on your creditworthiness. After that your APR will vary with the market based on your credit score and the Prime Rate, but will not exceed 18%.
APR for Balance Transfer	9.15% to 18%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
APR for Cash Advances	9.15% to 18%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	None
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	None
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.
VISA Platinum Rewards Card Program - FEES
Set-up and Maintenance Annual Fee Account Set-up Fee Non-usage Fee	lll None None None
Transaction Fees Balance Transfers Cash Advances Foreign Transactions	lll 3%, with a $5.00 minimum, no maximum 3%, with a $5.00 minimum, no maximum 1% of each transaction in U.S dollars.
Penalty Fees Late Payments lll lll Over-the-Credit Limit Returned Checks	lll If Your payment is more than 15 days late, You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $25.00. None You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $20.00.
Other Fees	None

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VISA Platinum Low Rate Card Program
Interest rates and interest charges
Annual Percentage Rate (APR) for Purchases	7.15% to 18%** when you open your account, based on your creditworthiness. After that your APR will vary with the market based on your credit score and the Prime Rate, but will not exceed 18%.
APR for Balance Transfer	7.15% to 18%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
APR for Cash Advances	7.15% to 18%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	None
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	None
For Credit Card Tips from the Federal Reserve Board	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/.
VISA Platinum Low Rate Card Program - FEES
Set-up and Maintenance Annual Fee Account Set-up Fee Non-usage Fee	lll None None None
Transaction Fees Balance Transfers Cash Advances Foreign Transactions	lll 3%, with a $5.00 minimum, no maximum 3%, with a $5.00 minimum, no maximum 1% of each transaction in U.S dollars.
Penalty Fees Late Payments lll lll Over-the-Credit Limit Returned Checks	lll If Your payment is more than 15 days late, You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $25.00. None You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $20.00.
Other Fees	None

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)

*Approval based on credit evaluation. **The Annual Percentage Rate (APR) offered to you for this product will be based upon your credit evaluation. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the first business day of each calendar month (“Index”) plus a margin from 5.90-17.90 (for the Rewards Card Program) and 3.90-15.90 (for the Low Rate Card Program). The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments. This disclosure is accurate as of the printing date of the VISA Platinum Credit Card Brochure, which is April 15, 2011, and is subject to change after that date. To find out if any changes in this information have occurred, please call us at 888-7-VIRIVA (215-333-1201 for local calls), or write to us at 157 York Road Warminster, PA 18974.

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