Classic Visa Credit Card

A: Let’s start with fees you don’t need to pay on your low-rate credit card:

• No annual fee
• No balance transfer fee
• No over-limit fee

There’s a late payment fee equal to 5% of your minimum payment due, with a $20 minimum. Luckily, there’s a 25-day grace period for the repayment of your balance for purchases.
There’s also a $0.50 minimum finance charge if you don’t pay off your balance in full each month.

A: Yes, to reduce the risk of fraud, our Classic VISA gives you the option to enroll in Visa Purchase Alerts. This free service can notify you when your card is used to make a purchase.

You can also customize the notifications. For example, you could request to be notified only for any purchases over $500 or get a notification for all purchases.

• If you made the purchase, you don’t need to do anything when you receive an alert.
• If you didn’t make the purchase, you can take instant steps to cancel your card, alert your card issuer, and alert the authorities.