Stuck in a rut of paying high-interest credit cards every month and wondering why your balances aren’t going down?  Are you just starting out and looking for your first credit card? Maybe you just need help repairing a few dents in your credit history. Whatever your need, an ECU Platinum Visa is the solution!  Our cardholders enjoy many member-friendly features, including:

• Intro Rate of 1.99% APR for 12 Months*
• No Annual Fee
• No Balance Transfer Fee
• 5-Day Late Payment Grace Period
• Zero Fraud Liability
• ScoreCard Rewards are Earned with Every Purchase
• Free Online Access with eZCard:
  • Detailed Transaction History and Spend Analyzer
  • Recurring and One-Time Payment Options
  • Enrollment and Access to Free eStatements
  • Set and Maintain Alerts

*APR=Annual Percentage Rate. The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the 12 months/billing cycles following the issuance of your card. After that, your non-variable APR will be 8.95% to 21.95%, based on your creditworthiness at the time of application. Subject to credit approval. Offer valid for new ECU Platinum Visa accounts only. Must be eligible for membership at Emerald Credit Union. All rates and promotions are subject to change.

Consolidation | Balance Transfers

Credit card consolidation involves paying off your existing high-interest credit card debt with a lower-interest credit card. This saves you money and helps you gain monthly income by offering one manageable monthly payment, lower finance charges, and sometimes a shorter payoff period. If you're feeling overwhelmed by high variable-rates and rising credit card balances, it's time to transfer them to our Platinum Visa. Simply complete the Balance Transfer Request and submit it to a Loan Officer. Not yet an ECU Platinum Visa cardholder? Apply today! Balance transfers may be processed any time, as long as you have enough available credit.

Traveling?

To ensure uninterrupted usage of your ECU Platinum Visa while you travel, please contact us prior to your departure date. We will add a “Travel Memo” to your account preventing the Visa Fraud Department from blocking your account due to unusual spending. This is also a great opportunity to update your phone number and email address, in the event that the Fraud Department ever attempts to contact you.

Loans FAQs

 

Financial Wellness Tip: When possible, pay more than just the required minimum payment amount on your credit card statement. Larger payments will reduce your balance at a faster pace, and you'll pay less in interest. It will also increase your available credit and give you an emergency source of funds.

Emerald Payment Protection with Life Plus

Financial Protection for the Unexpected - Protect the Ones that Matter Most

Your family means everything to you. And if the unexpected happens, you don't want an emotionally trying situation to be compounded by financial worry. That's why there's Emerald Payment Protection with Life Plus, which may cancel your loan balance or payments, up to the contract maximum, in the event of involuntary unemployment, disability, or death. Eligible loans include:

• Vehicle Loans
• Personal Loans
• Platinum Visa Credit Cards
• Wish List Loans
• Home Equity Loans

Take an important step toward financial security. Ask us about Emerald Payment Protection with Life Plus today.


Your purchase of Emerald Payment Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.