Visa® Credit Cards
"The Cards that Really Reward You"
DCECU is pleased to introduce two new Visa credit card programs to our members – available May 18th1. These two new programs will cater to both kinds of credit card users. Members that carry a balance and desire our lowest interest rate may prefer our NEW! Low Rate Visa. Our NEW! Rewards Visa will be the perfect choice for members that enjoy a robust rewards/points program.
You will appreciate the great features of our new Rewards Visa and our Low Rate Visa.
|Features||Rewards Visa||Low Rate Visa|
|No annual fee|
|Minimum credit line||$2500||$2500|
|Annual Percentage Rate (APR)||%2 (Variable)||%|
|Chip-Enabled EMV Security|
|Eligible for Year-End Loan Interest Rebate3|
|Visa Zero Liability Protection|
|True 25-day interest-free grace period|
|Convenient account access through Online Banking|
|Free auto rental insurance|
Don’t miss out! APPLY NOW for a new DCECU Visa credit card and you’ll be the first to enjoy the benefits of these new programs when your new card(s) are mailed to you around May 18th1.
Looking for details regarding your existing Visa Classic, Gold or Platinum? Please see our Visa Disclosures page.
1. DCECU is in the midst of transitioning our Visa credit card programs. We hope you will find it to be worth the wait!
2. Wall Street Journal Prime Rate + 6.00%
3. Please note that while the Year-End Interest Rebate occurs with great regularity, this credit union benefit is not guaranteed.
back to topTake Charge Visa®
The credit card for youth
DCECU believes in educating younger members about the wise use of credit. Our Take Charge Visa credit card allows parents to control the credit limit, but gives kids the opportunity to have their own credit cards, build personal credit histories and receive their own statements.
back to topPayment Mailing Address
Dow Chemical Visa
P.O. Box 4517
Carol Stream, IL 60197-4517
back to top2015 Statement Closing Date Calendar
|Jan. 21 2015||Feb. 18, 2015||Mar. 22, 2015||Apr. 20, 2015||May 22, 2015||Jun. 21, 2015|
|Jul. 22, 2015||Aug. 21, 2015||Sep. 21, 2015||Oct. 22, 2015||Nov. 20, 2015||Dec. 22, 2015|
* Payments are due on the 15th of every month. (25 days after statement closing date)
back to topLoan Interest Rebate
If you generally carry a balance on your credit cards, you may find that the potential year-end Loan Interest Rebate option may really benefit you! By selecting this enhancement option, your Visa account becomes eligible for DCECU’s potential year-end Loan Interest Rebate. Please note that while year-end rebates occur frequently, this benefit is not guaranteed.
back to topYourRewards
Visa Gold Enhancement Option
For every dollar you spend using your DCECU VISA Gold card you earn one YourRewards point. Use your DCECU Gold card for all purchases and watch how quickly the points add up! Points can be redeemed for travel, brand-name merchandise, music and more (minimum of 2,500 points needed to redeem merchandise). Click here to access your YourRewards account.
HOW TO EARN POINTS:
1 YourRewards Point = $1.00 Net Retail Purchase
YourRewards points are based on your net retail sales which exclude cash advances, balance transfers, convenience checks and returned purchases.
YourRewards Points expire in five years if unredeemed. Points are utilized on a first in - first out basis.
YourRewards Statements are produced quarterly. You will receive your statements in January, April, July and October.
If you have any other questions please contact any of the following numbers for assistance:
YourRewards Hotline: 1-844-7REWARDS (1-844-773-9273)
DCECU Visa Department: (989) 835-7794 or (800) 835-7794.
back to topSpecial Offers and Discounts for Visa® Cardholders
Click the banner above to enjoy a wide assortment of deals exclusive to Visa Cardholders from some of the best brands in America.
back to topFraud Protection
DCECU has a variety of mechanisms in place to protect members from fraud and loss*:
Ensures you won’t have to pay for unauthorized purchases. With replacement funds, we’ll return any funds lost from your account due to fraudulent use.
Verified by Visa
Offers additional password protection at select merchants to help make sure you’re the only one who can use your card online. For more information, please see Verified by Visa
3-digit security code
Adds even greater protection when shopping online or over-the-phone.
ID Theft Assistance
Provides access to counseling services at no additional cost to help resolve any ID theft issues.
The Falcon neural network, a fraud prevention/risk management tool, is currently in place for all DCECU cards. This system detects potential fraud using cardholder, transaction, and merchant data. Falcon uses a model of national fraud patterns with the individual cardholder’s pattern (which changes on a daily basis) to determine the likelihood that a transaction is fraudulent. Discrepant transactions that occur outside the typical cardholder profile may then be pursued to prevent loss. Accounts are monitored by the Falcon system 24 hours a day; however, verification calls to cardholders are made between 8 a.m. and 9 p.m. only (according to the cardholder’s time zone), in order to minimize cardholder inconvenience. Cardholders who live overseas are not contacted by Falcon; instead, a report is faxed to the Credit Union.
It is possible that you may receive a phone call from Falcon concerning recent transactions on your account. Falcon representatives will never ask a member to provide their full card number unless the member needs to call back for some reason. They may ask to verify the last 4 digits of the primary member’s social security number, or mother’s maiden name, to ensure they are confirming recent transactions with the correct person. Falcon representatives will NOT talk to anyone other than the cardholder. This is for security reasons. At any time if you feel the call may be suspicious, please contact the Credit Union right away.
For more information about Visa security, visit www.visa.com/security
*Covers U.S.-issued cards only. Visa’s Zero Liability policy does not apply to ATM transactions or PIN transactions not processed by Visa® and certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Verified by Visa requires online activation and is for use only at participating online merchants. Identity Theft Assistance offers access to a toll-free number.
|Lost or Stolen Visa® Credit Cards|
|(727) 570-4888 from outside the U.S.|
back to topVisa® Gift Cards
Come to DCECU for the perfect gift ~ Visa Gift Cards!
Visa Gift Cards are welcome anywhere* Visa Debit Cards are accepted. You choose the amount and the recipient decides what to purchase with the card. It's that simple. Other than the load amount on the card, the price is $3.00 when purchased at the teller window and slightly more, to cover shipping and handling, when purchased online. For more information or to purchase your Visa Gift Cards, stop by our office or visit www.harlandclarkegiftcard.com.
* Visa Gift Cards can not be used for cash advances or ATM transactions. Please review the Frequently Asked Questions and the Terms and Conditions (located at www.harlandclarkegiftcard.com) for additional information on the card and guidance on its use. Contact the card issuer at 1-866-244-5360 for details on any applicable fees associated with international use.
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