- Visa Business Platinum Rates
DCU's Visa Business Platinum Credit Card is available to business members in New England only.
|Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances:
DCU Visa Business Platinum Credit Cards (Business Basic or Business Plus)
|As low as 10.00%
Prime* Plus 5.00% (minimum APR 10.00%)
(See Variable Rate Information below)
|Variable-Rate Information||Your APR may change monthly. The rate for purchases, cash advances, and balance transfers is determined by adding a "margin" ranging from 5.00% to 13.00% (based upon your credit history) to the Prime Rate.*|
|Cash Advance Transaction fee||None. There is no grace period on cash advances.|
|Grace Period for Repayment of NEW Purchases||Not less than 25 days on new purchase amounts if the total New Balance is paid in full each month by the Payment Due Date on your billing statement and there is no cash advance activity.|
|Minimum Payment||"Required Payment Due" shown on my statement.|
|Payment Processing||Payments received by 4 p.m. Eastern time will be credited to your account the next business day. Payments received after 4 p.m. Eastern time will be credited to your account the second business day.|
|Payments||Mail - Address noted on the statement
In Person - Any DCU branch
Pre-Authorized Recurring Transfers (ACH Origination) - Request Form (.pdf format)
Online scheduled payments through MyCardInfo (Business Plus Only)
|Minimum Finance Charge||NONE|
|Foreign Currency Conversion Fee||NONE|
|Overdraft Protection||DCU Visa Business Platinum Credit Card (Business Basic only) can be used for overdraft protection.|
|Various Fees||Balance Transfer fee: NONE
Late Payment fee: Up to $45.00 per occurrence
Overlimit fee: Up to $45.00 per occurrence
Return check fee: Up to $25.00 per occurrence
Rates are effective .
*The Prime Rate used to determine your Annual Percentage Rate (APR) is the Prime Rate as published in the Wall Street Journal at the end of the month immediately preceding the start of each billing cycle.
** At any time your Account becomes sixty (60) days past due in any 24 month period, FINANCE CHARGES on the entire balance will be calculated at the Penalty Pricing Rate of 18% APR.
Please contact us at any branch, by email or by calling 508.263.6700 or 800.328.8797 if you wish to ascertain what changes, if any, have been made to the Credit Union's Visa Business Platinum credit card program since that date.