MSGCU : VISA Credit Cards

VISA Titanium Card

9.75% APR* Fixed
Credit line of $5,000 or more

Credit Card Agreement and
Truth-in-Lending Disclosures

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VISA Classic Card

12.75% APR* Fixed
Credit line of $300 or more

Credit Card Agreement and
Truth-in-Lending Disclosures

APPLY NOW

With our VISA Titanium and Classic Cards, you’ll have the benefit of exceptional features like:

	TITANIUM VISA	CLASSIC VISA
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) For Purchases	9.75% FIXED	12.75% FIXED
Annual Percentage Rate (APR) For Cash Advances	9.75% FIXED	12.75% FIXED
Annual Percentage Rate (APR) For Balance Transfers	9.75% FIXED	12.75% FIXED
How to avoid paying interest on purchases.	You have 25 days to repay your balance for purchases before a finance charge will be imposed.	You have 25 days to repay your balance for purchases before a finance charge will be imposed.
Minimum Finance Charge	NONE	NONE
FEES
Annual Fees	NONE	NONE
Transaction Fees: Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee with Currency Conversion Foreign Transaction Fee with no Currency Conversion	None None 1% of transaction amount 0.8% of transaction amount	None None 1% of transaction amount 0.8% of transaction amount
Penalty Fees: Late Payment Fee	$20	$20
Pease visit the Federal Reserve Board’s website, www.federalreserve.gov/creditcard/, to learn more about shopping for and using credit card accounts.
Balance Computation Method: Average Daily Balance (including new transactions). An explanation of this method is detailed in the account opening disclosure. Replacement Card Fee (Classic and Titanium): $5

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Here are a list of items that may be required for a VISA Credit Card closing

Creditors Statements (if debt consolidation)
Proof of Income (if applicable)

*Annual Percentage Rate. Credit subject to approval. Normal credit standards apply. Rate will not change while the plan is open.

Why should I apply for a MSGCU Credit Card?

Shopping: A quick swipe of your MSGCU VISA Card at millions of locations worldwide leaves you more time for the important things in your life.

Vacation: It doesn’t matter where you decide to visit because the MSGCU VISA Credit Card will be your key. Use it for hotel reservations, dining, car rentals and much, much more.

Education Expenses: Your MSGCU VISA Credit Card makes it quick and easy to pay for tuition, books, and supplies. Don’t spend your valuable time in a store. You’ve got studying to do!

Debt Consolidation: When you transfer your existing credit card balances to a MSGCU VISA Card, you’ll enjoy a terrific low, fixed APR. You’ll save time and money by paying just one bill.

Automatic VISA Payment: You can have your VISA Credit Card payments deducted directly from your MSGCU Savings or Checking account. It’s free, it’s easy, and all you have to do is request this service.

Online VISA Payment: You can pay your VISA Credit Card balances through Internet Account Access. Simply login to your account and transfer money to your VISA Credit Card to lower or pay off the balance.

Apply Today! When you’re ready, we make it simple to apply for your MSGCU VISA Credit Card. Just click here or stop by any of our convenient branch locations for the opportunity at getting your own MSGCU VISA Credit Card.

*If you're reporting the loss or theft of your MSGCU debit or credit card, please click here.

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Routing number: 272480173

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