Why pay more interest on those other credit cards? Interest rates on most department store credit cards are 18% - 21% APR! Our members can save money by transferring their other credit card balances over to a Paducah Federal VISA. Here are some of the benefits our VISA card offers:
- Lower Interest Rate
- No Annual Fee
- 25 Day Grace Period
- No Minimum Finance Charge
- No Transaction Fee For Purchases
- Cash Advances
- $250,000 Free Travel Insurance When Tickets Are Purchased With the VISA
Start saving your money today and switch over to a Paducah Federal VISA.
To report a lost or stolen Visa Credit Card call 1-800-325-3678.
Line of Credit Agreement
- The purpose of this Application and Agreement (hereinafter “Agreement”) is to establish the Terms and Conditions of a line of credit.
- Approval of this Agreement by you establishes the following: (a) the credit limit approved shall be determined by you and this credit limit will be drawn upon as I utilize an issued Card: (b) the account will be repaid in accordance with terms and conditions of VISA and in accordance with policies established by the Credit Union’s Board of Directors (hereinafter “Directors”); (c) the Card remains your property and I will surrender it immediately upon request.
The Terms and Conditions referred to herein are those that will be furnished to me before I have use of my Card. Said Terms and Conditions are made a part of this Agreement and are incorporated by reference herein. By my acceptance of the Card I hereby agree to comply with the foregoing Terms and Conditions for any reason, I understand that I may terminate this Agreement by giving your written notice, and by returning the Card to you. - I understand that you reserve the right to change the rate of FINANCE CHARGE upon giving notice required by law.
- I promise to pay and all charges incurred by me or any person whom I authorize to use the Card issued to me, and any fees or charges incurred in the recovery of a Card, retrieval of transaction data, collection of this account, or any other charges disclosed to me herein or in the Terms and Conditions provided prior to my use of the Card. I understand that you reserve the right to change the rate of fees and charges upon giving notice required by law.
- I acknowledge and agree that you may terminate this Agreement upon adverse re-evaluation of my credit worthiness, upon my failure to satisfy the terms of this Agreement and the Terms and Conditions established by the Directors and VISA U.S.A. Inc., or at my option or at your option if you have good cause.
Annual Percentage Rate | Grace Period for repayment of the balance for purchases only | Method of Computing the balance for purchases | Annual Fees | Transaction Fee for purchases | Minimum Finance Charge | Late Payment Fee | Fee For Exceeding Credit Limit |
11.40% | 25 days from statement closing date | Average Daily Balance (including new purchase) | NONE | NONE | NONE | $10.00 | $10.00 |
Information about the costs of the Credit Card described in this application and Agreement is accurate as of 9/91. This information may have changed after that date. To find out what may have changed call or write us at the number or address stated in this Application.
Residents of Illinois may contact the Illinois Commissioner of Banks and Trust Companies, at State of Illinois CIP, PO Box 10181, Springfield Il 62791, (800)634-5452, for comparative information on interest rates, charges, types and grace periods.
IF ACCEPT THIS AGREEMENT PLEASE CLICK "I AGREE" BELOW TO CONTINUE TO THE APPLICATION.
