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Despite word that many credit card issuers are raising rates and fees to offset the loss of income related to the recent Credit Card Reforms, the change has had minimal impact to Viriva Credit Cardholders, so there’s no need to worry about pending new fees or changes to our rate structure.
With a Viriva Platinum VISA® Credit Card you can now expect:
- A low variable rate that is currently as low as 3.25% APR*
- No Annual Fee1
- 25 Day Grace Period for Purchases2
- No Cash Advance Fee
- No Balance Transfer Fee
So why pay high interest rates and juggle multiple department store, gas station, and other merchant credit cards? Viriva Community Credit Union offers low, variable rate VISA® Credit Cards that you can use at millions of locations worldwide! You can even pay off higher interest cards and loans using your Viriva VISA®. We have no balance transfer fee, so moving your current credit card balances to Viriva is a no-brainer!
To apply for a Viriva VISA® Credit Card click here and select VISA® Platinum!
Not yet a member of Viriva?
Becoming a member is easy. Simply complete our membership application and mail it to:
Viriva Community Credit Union
1423 Spruce Street
Philadelphia, PA 19102
Be sure to include a copy of your state registered ID and your initial deposit of at least $5.00. Click here to download a Membership Application.
For important account disclosure information please visit our Forms & Application page.
- Using your VISA Card online is safe and secure. For added protection, activate your VISA Credit Card with Verfied by VISA by clicking here.
- Save big with VISA Rewards Online when you use your card at select retailers.
- To access your VISA Credit Card account online, click here.
- Request a VISA Line of Credit Increase if you’re an existing VISA Cardholder.
To report a lost or stolen VISA Credit Card after hours, please call: 1-800-VISA-911 or 1-800-299-9842.
*APR = Annual Percentage Rate. Rate shown is as low as Prime. As of December 2, 2009, Prime is currently 3.25% APR. Viriva's floor rate is also 3.25%. The Prime rate used to determine your APR is the rate published in the Wall Street Journal on the 1st day of the prior month. Current offered rates start at 3.25% and as high as Prime+11.9% with a ceiling rate of 18.0%. Final approval and actual rate subject to individual creditworthiness. 1. Must use card at least once every six month to avoid a dormancy fee of $10.00. 2.Balance must be paid in full each month to avoid finance charges. Other restrictions apply. Contact the credit union for complete details.
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