Save More on Credit Card Interest
Members interested in receiving the best rate possible can apply for our Low Rate Credit Card program. This card is a good fit for anyone looking to transfer balances from a high rate credit card to a lower rate program to save on interest payments.
Program Features:
- No annual fee
- 25 day grace period for purchases
- Low monthly payment – 3% of the outstanding balance or
$25 Review account activities, check balances, and make
payments within It’sMe247 Online Banking anytime
and anywhere you have an Internet connection - Low balance transfer fee
- Worldwide acceptance
- Mastercard’s zero liability policy
Mastercard® Platinum Low Rate Credit Card* |
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Interest rates and interest charges |
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| 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 17.75%. |
| 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 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/. |
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Fees |
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Set-up & Maintenance
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Transaction Fees
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Penalty Fees
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| Other Fees | None |
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)
To obtain a copy of our Credit Card agreement disclosures please call us at 888-7-Viriva or 215-333-1201 for local calls. You can also email Info@Viriva.com. Please include your name, address, and daytime phone number in your request.
*The approval and 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), 3.90-15.90 (for the Low Rate Card Program), and 7.90 (for the Secured Card). 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 September 1, 2019 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