DCU Visa^® Platinum Credit Card

• No Annual Fee – You can save up to $45 over other credit cards.
• Low Everyday Rates – Save over other bank and store cards with a rate well below the national average. Transfer your higher interest credit card balances to your DCU Visa Platinum Credit Card and start saving immediately. Check our our current rates.
• Easy Cash Advance Access – You can get advances 24-hours a day from any ATM displaying the Visa logo. You can also get advances anytime through DCU's Easy Touch Telephone Teller System or PC Branch. Transfer money to any of your DCU savings or checking accounts or have a check mailed to you.
• Convenient Access, including Repayment Options – Select monthly automatic transfer from your DCU Savings or DCU Checking Account and we'll transfer the minimum monthly payment or the entire balance each month. Or choose a fixed amount that you set that will be transferred from the account you specify to make monthly payments. If the minimum monthly requirement is higher then the fixed amount you indicate, the minimum will be transferred.
  
  You can also make transfers through DCU ATMs, Easy Touch Telephone Teller System, PC Branch, the Information Center, or at any DCU branch. And, as always, you may mail us your payment.
• Free $500,000 Travel Insurance Coverage – When you charge tickets on any common carrier (airline, train, ship, or bus), you're automatically covered with Visa Platinum .*
• Guaranteed Reservations – You are assured your room remains available if you arrive late at participating hotels, motels, and resorts.*
• Auto Rental Collison Damage Waiver – You are covered for collison damage or theft on auto rentals.
• Optional Overdraft Protection On Your DCU Checking – Your overdrafts are automatically charged to your DCU Visa Platinum Credit Card up to your credit limit when you choose this option.*
• Lost/Stolen Card Reporting – With the Visa Lost/Stolen Card Reporting service, reporting a lost or stolen card is simple. Just call Visa Global Customer Care Services at 800-VISA-911, or call one of our toll-free numbers, and a Visa representative will work with you to notify the appropriate parties and replace your card.
• Shop anywhere with absolutely no risk – Your peace of mind and protection are paramount to DCU and Visa. Visa's Zero Liability policy is our guarantee that you won't be held responsible for fraudulent charges made with your card or account information.**
• Cash advances up to $200 per day at participating hotels – No need to search for an open bank.*
• Extensive Visa Travel Services – You'll receive details after you open your account.
• Warranty Manager Service – Extends the warranty on most purchases made with your DCU Visa Platinum Credit Card.*
• Fraudulent Activity Protection – To protect your account and minimize fraudulent activity, we sometimes place blocks on particular merchants or locations where we learn fraud is prevalent. We always work closely with Visa to monitor current fraud patterns and add or remove blocks as these patterns change. These blocks affect international travelers the most. If you are traveling abroad and plan on using your DCU Visa Platinum or Check Card, it is always a good idea to contact DCU to learn if a block is in effect for the country you are visiting. Please call 508.263.6700 or 800.328.8797, send us an e-mail, or speak with a Member Service Representative regarding your upcoming international travel plans.

1. It allows you to begin building your own credit history
2. May qualify you for a higher credit limit
3. It can result in a lower interest rate since your rate will be determined by the best personal credit history among your co-borrowers
4. Your co-borrowers can access the account through PC Branch and can easily help make payments by online transfer from their own DCU accounts

• Visa Platinum Rates
• Calculating Finance Charges

Digital Federal Credit Union 220 Donald Lynch Boulevard PO Box 9130 Marlborough, MA 01752-9130 508.263.6700 • 800.328.8797