Credit Card
When "No" is a Good Thing!
No rate change due to late payment
No cash advance fee.
No over limit fee.
No fee for balance transfers.
No annual fee.
No fees to replace lost/stolen cards.
No charge for second card.
No shrinking grace period – We give you more time to pay for purchases before finance charges begin to accrue.
Use your PSECU Visa Credit Card to make purchases everywhere Visa credit cards are welcome.
Apply TodayIf you are already a PSECU member and would like to apply for a PSECU Visa Credit Card or increase your line of credit, you can apply online or contact the PSECU Call Center.
- Apply for a PSECU Visa Credit Card by telephone!
Additional Benefits
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- One Rate for purchases and cash advances.
- Online Balance Transfer Checks
You may, at no cost, transfer up to 10 balances from other credit cards to your PSECU Visa. Simply click on 'Move Money' within psecu@home® and choose 'Visa Balance Transfers' from the left menu. These Visa Balance Transfers will be treated as cash advances at the current promotional rate. - Security & Fraud Protection
- PSECU monitors for suspicious transactions
- E-mail Alerts through psecu@home that tell you when and where purchases were made
- Zero liability for Visa credit card purchases if your card is lost or stolen
- Ability to report your Visa credit card lost or stolen 24/7 - Money-saving Payment Options
Forget paying for stamps and avoid late fees when you select:
- Automatic Transfer
- Visa Payroll Transfer
- psecu@home - make payments anytime with a click of a mouse
- Self-Service Telephone (SST) access - 24/7 - 25-day Grace Period on Purchases
- Other credit card companies are reducing their grace periods so they can collect more fees - Other Great Benefits
- FREE - two credit cards per account
- FREE - replacement for lost or stolen credit cards
- FREE - e-Statements monthly
- Can be used worldwide at merchants that accept Visa credit cards
- Auto Rental Insurance
*Annual Percentage Rate
Form: PSECU #2137 10/05