Credit

Aug 28 2019

Dupaco Community Credit Union – Credit Cards #mini #credit




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Dupaco VISA Credit Card

With a low-interest, variable rate, Dupaco’s VISA is one of the best available, with:

  • No annual fee
  • Grace period before interest is charged on purchases, plus, enjoy a 4.90% APR on purchases from Nov. 2 through Dec. 31, 2015
  • Easy payment options, including automatic payments and online payments
  • Online account access through Shine Online Banking or MyCardInfo
  • Free account alerts and eStatements
  • Automatic, no-cost fraud monitoring
  • No fees on balance transfers to your Dupaco VISA
  • No-cost rental car insurance; travel accident life insurance; extended warranty and purchase security program; and special travel and emergency assistance may be available to those qualified
  • Shop online and off with no risk with VISA’s Zero Liability Policy

If you suspect your card has been lost or stolen, it’s important to take action immediately.

First, call Dupaco at (563) 557-7600 / 800-373-7600, ext. 0, to report the issue. A block will be placed on your card to prevent any transactions in the event the card has fallen into the wrong hands. You will then be issued a new card.

Next, keep an eye on your statements and credit card activity. Monitor transactions and statements using Dupaco’s Shine Online Banking. Consider setting up eNotifiers to alert you via text or e-mail of any card activity. (To set up eNotifiers, log in to Shine Online Banking and click on the eNotifiers tab.) Report any suspicious activity to Dupaco immediately. Read more about fraud prevention and recovery .

What is the interest rate?

Our VISA Platinum is designed to offer the lowest possible rate based on credit. Your interest rate will be the Prime Rate as quoted in The Wall Street Journal on the last business day of each calendar quarter, plus a margin which is based on your credit score at the time of application. The higher your score, the lower the rate. And as your score improves over time, you may have the opportunity to further reduce your rate as a reward for your progress.

Is there an annual fee?

No, there is no annual fee on Dupaco’s VISA.

Is there a grace period?

Yes. To help you cut your credit card cost even further, your Dupaco VISA features an interest-free grace period on purchases from statement closing date.

Is the Dupaco VISA accepted throughout the world?

Yes. The VISA credit card is highly recognized and accepted at most every retail or department store, airline, hotel and motel throughout the United States and all over the world! And if you should ever have questions or problems, you ll be dealing locally with your credit union someone you know and trust.

Can I transfer balances from other cards?

Yes. Take full advantage of the low interest rate on your Dupaco VISA. Transfer the balances from your other higher interest rate credit cards (including bank, gas, department store, etc.) and save on finance charges. It’s simple and there are no cash advance fees. Contact Dupaco or you may initiate a balance transfer through Shine Online Banking .

How can I make payments?

You can make payments at any Dupaco location, by mail, through payroll deduction or periodic transfers, through automatic payments from the financial institution of your choice, through Dupaco’s Shine Online Banking or through MyCardInfo. Making payments couldn t be simpler or more convenient.

Can I access my VISA account information online?

Yes. You can view your VISA account information via Dupaco’s Shine Online Banking. or through MyCardInfo. Here you can view statement history, view current balance and payment information, view current and historical transaction activity, make a payment and view payment history, find contact information, and download account transactions into multiple formats.

Can I get cash advances?

Yes. In addition to charging purchases, your VISA credit card permits you to get ready cash just about anywhere you need it. The fee for advances is only 1.5% of the amount requested ($3 minimum to a maximum of $15), and finance charges do apply. There’s no special arrangement to repay. Cash advances show up on your monthly statement along with your purchases. You may also contact Dupaco to request your own Personal Identification Number (PIN), which will allow you to make cash withdrawals at ATMs worldwide which display the VISA network symbol.

Can I use my Dupaco VISA for overdraft protection?

No. VISA accounts cannot be used for overdraft protection. Our standard share account overdraft sequence and Overdraft Privilege products are currently in effect. Please refer to your membership materials or contact the credit union for more information.

Can I receive my VISA statement by e-mail?

Yes. You can receive your VISA statements by e-mail by registering for e-mail statements via Dupaco’s Shine Online Banking .

Are there other card benefits?

Yes. Our VISA Platinum card features service benefits at no extra cost, including: Auto Rental Insurance, $500,000 Travel Accident Life Insurance Coverage, Warranty Manager Service, and Travel and Emergency Assistance. Policy provisions apply. Verified By VISA is also available, providing additional security when shopping online.

Who do I contact with VISA card questions?

Call Dupaco at (563) 557-7600 / 800-373-7600, ext. 0. In order to serve you 24-hours a day on questions related to your VISA. we’ve partnered with The Members Group (TMG) for service on Dupaco VISA credit cards. TMG is The Members Group, a Des Moines, Iowa-based company which is jointly owned by Dupaco and other Iowa credit unions. Rest assured that by calling TMG for service on your Dupaco VISA account you will be getting secure, accurate, and timely service from a real live person, anytime you call.



Written by CREDIT