CORE Federal Credit Union is pleased to offer three great Visa cards to meet the needs of our members; Classic, Platinum, and Student Visa Cards. The cards feature great low rates and a reward point program.
Our Visa classic card offers exceptional benefits
and include some of the most competitive terms you'll find
anywhere! In addition, every dollar charged to your CORE
Visa earns you a ScoreCard point. These points can be traded
for merchandise or gift certificates. You can also obtain
travel discounts when you book through the ScoreCard Travel
Center! Other benefits include:
 Our lower rate of only 11.9% APR*
for new purchases and 12.5% APR* for cash advances
- No annual fee
- 25-day grace period
- No penalty for members who pay
in full each month
- No per transaction fees
- Cash advances
- Worldwide merchant acceptance
- 24
Hour Credit Card Information
- Visa Scorecard Rewards
 CORE is proud to also offer a Visa Platinum card. It has a low fixed interest rate of 8.9% APR, along with a larger credit line for members who want the convenience of a single, high level credit card to use for all of their purchasing needs.
As an added bonus all Visa Platinum cards will receive
a special 5.9% APR balance transfer rate for the first
6 billing cycles the card is open, to allow members
to save even more when they transfer balances from other
higher rate credit cards.
The Platinum card has other benefits such as free travel
accident insurance and an enhanced Scorecard rewards program,
where points can be redeemed for valuable prizes and air
travel more quickly than standard Scorecard rewards programs.
Like our Visa Classic card, members will have a generous
3 to 4 year time frame to redeem their Scorecard points.
Visa Classic members who qualify may apply to be upgraded to Platinum and your current Scorecard points will be transferred to your new Platinum card.
Special Student Visa Rate
CORE's Visa provides you with a special student
rate for 2 years, when you need it the most. Compare our
rates with those charged by other cards.
Any CORE Visa card allows you to pay off your entire
purchase balance in full each month, without incurring any finance charges.
Your Visa can cost absolutely nothing to use.
Convenience and Accessibility:
Enjoy the peace of mind knowing you can get cash 24-7.
Your Visa accesses thousands of ATM's displaying the Visa
logo. Cash advances are available at financial institutions
throughout the Visa Global Network.
| Visa
Disclosures |
| |
Visa
Classic |
Visa
Platinum |
Student
Visa |
Annual
Percentage Rate (APR)
For Purchases |
11.90% |
8.90% |
6.9%
(for the first 2 years) |
| Other
APR's |
Balance
Transfer 12.50%
Cash Advance 12.50% |
(Special
Balance Transfer APR 5.90% for 1st 6 billing cycles)
Cash Advance 8.90% |
N/A |
| Variable
Rate Information |
N/A |
N/A |
N/A |
| Grace
Period to Pay Purchase Balance in Full Without Finance Charge |
25
days |
25
days |
25
days |
| Method
of Computing the Balance for Purchases |
Average
Daily Balance Excluding New Purchases |
Average
Daily Balance Excluding New Purchases |
Average
Daily Balance Excluding New Purchases |
| Annual
Fee |
None |
None |
None |
| Minimum
Finance Charge |
None |
None |
None |
| Transaction
Fee for Purchases |
None |
None |
None |
| Transaction
Fee for Cash Advance |
None |
None |
None |
| Over
the Credit Limit Fee |
None |
None |
None |
| Late
Payment Fee |
$25.00 |
$25.00 |
$25.00 |
| New
York residents may contact the New York State banking department
to obtain a comparative listing of credit card rates, fees and grace
periods by calling 1-800-522-3330. |
|
