|
No Annual Fees
Hughes Federal Credit Union offers one of the most comprehensive Visa Credit Card programs around at some of the most competitive rates.
We offer three credit card programs — Classic, Gold, and Platinum. Click here to apply online, call AnyHour Loan at (877) 999-LOAN 24-hours a day, call (520) 794-8341; (800) 253-8245 (outside Tucson) during regular business hours, or visit any of our branch locations.
VISA® Classic Card
Our Classic Visa is our standard credit card for members who prefer no frills. The low credit limit makes it ideal for students establishing credit or for those who want a basic credit card.
- Credit limits range from $100 to $25,000
- Low interest rate
- Up to $200,000 in Common Carrier Travel Insurance
Your credit limit will be determined by Hughes Federal Credit Union. Cash advances accrue interest from the date of transaction with no grace period.
VISA® Gold Card
For members wanting the prestige of a Gold card, higher credit limits and extensive benefits and services, our Gold Card offers:
- Credit limits range from $2,000 to $25,000
- Enjoy a competitive rate and NO Annual Fee
- 25-day grace period on purchases (no interest charged on purchases if your balance is paid in full each month by the payment due date)
- No cash advance fee and 24-hour cash access at ATMs worldwide
- Up to $500,000 in Common Carrier Travel Insurance
- Up to $300 Baggage Delay Insurance
- AutoPay Service
- Warranty Manager Service/Buyer's Protection
- Extended Warranty Coverage
|
- Pre-trip Assistance
- Medical Referral Assistance
- Legal Referral Assistance
- Visa Gold Emergency Cash
- Emergency Card Replacement
- Lost Luggage Locator Service
- Emergency Transportation Assistance
- Emergency Ticket Replacement
- Emergency Translation Service
- Auto Rental Insurance
- Lost/Stolen card reporting
- Credit Card Registration
|
VISA® Platinum Card
Our Platinum card has the same great benefit as our Gold card and more!
NO Annual fee and credit limits from $5,000 to $25,000
25-day grace period on purchases (no interest is charged on purchases if your balance is paid in full each month by the payment due date)
Low interest rate
Includes all the benefits on our other credit cards - plus Identity Theft coverage and Purchase Security.
Convenience Checks
You may write checks up to your available credit line by using our convenience checks. Checks are treated as cash advances and can be ordered from our Member Services Department by calling (520) 794-8341 (Tucson) or (800) 253-8245 (U.S.) during regular business hours. There is no charge for checks and you can receive them in 10 – 15 days.
Convenient Credit Card Payment Options
AutoPay – Credit Card payments can be made automatically each month through our AutoPay program. Payments are automatically deducted from your Hughes FCU checking account.
eBranch Online Banking – Use online banking by transferring money from your checking or savings account to the credit card.
Bill Pay – Set up your credit card payments to be paid electronically.
By Phone – Call Cardholder Services at (800) 654-7728, 24 hours a day, 7 days a week.
In Person – See a teller or mail your payment to the Credit Union.
Pay Ahead – Pay your bill up to three months in advance with our Pay Ahead program. Overpayments are applied to future statements. The minimum payment due will be zero up to two months for the amount overpaid. After the set number of months pass, another payment must be made to avoid delinquency. You can pay your balances in full to avoid a finance charge.
| Interest Rates and Interest Charges |
Platinum Credit Card
Adjustable Annual Percentage Rate (APR) for purchases, balance transfers and cash advances |
9.50% APR |
Gold Credit Card
Adjustable Annual Percentage Rate (APR) for purchases, balance transfers and cash advances |
11.95% APR |
Classic Credit Card
Adjustable Annual Percentage Rate (APR) for purchases, balance transfers and cash advances |
12.50% APR |
Penalty APR when it applies |
16.99% APR
This APR may be applied to your account if you make a late payment for two (2) consecutive months.
How Long Will the Penalty APR Apply: If your APR is increased for the above reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due. |
| Paying Interest |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| Minimum Interest Charge |
none |
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
| Annual Fee |
none |
Transaction Fees
*Balance Tranfer
*Cash Advance
*Foreign Transaction |
none
none
1% of each transaction in U.S. dollars |
Penalty Fees
*Late Payment
*Over the Credit Limit
*Returned Payment |
$20
$20
$20
|
Other Fees
*Card Replacement |
$10 |
How We Will Calculate Your Balance:
We will use a method called "average daily balance" (includes new purchases). See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Click here to go to Top Twenty Tips fo ATM Use page.
|
ATTENTION
Members Traveling Internationally!
Due to increasing fraudulent activity in certain foreign countries, Hughes FCU has been advised by our credit card processor to restrict certain types of credit card authorizations in these countries:
| Burma |
Iran |
Morocco |
|
China
|
Japan |
Singapore |
| Cuba |
North Korea |
Taiwan |
| Hong Kong |
South Korea |
Turkey |
| Indonesia |
Malaysia |
|
If traveling to these countries, make other arrangements such as purchasing traveler’s checks from the Credit Union.
It is also recommended that you know your credit card Personal Identification Number (PIN). In case of emergency, you can obtain ATM cash advances up to your available credit limit at participating machines worldwide. If you don’t know your PIN, please contact our Operations Support Department in ample time so a copy can be mailed to your home.
Rest assured that your potential for losses due to credit card fraud is a maximum of $50. Our provider has a sophisticated fraud detection program.We appreciate your cooperation and understanding as we take action to help prevent potential losses to your credit union.
International Exchange Rates:
The exchange rate between the transaction currency and the billing currency used for processing international transactions is "A rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the Issuer."
|
|
Visa® Check Card
Activation: (866) 985-2273
To Report Lost or Stolen card: (888) 904-7788 (during CU business hours,
call (520) 794-8341 or (800) 253-8245)
|
|
Visa®/Mastercard®
Activation: (800) 527-7728
Customer Service: (800) 654-7728
To Report Lost or Stolen card: (800) 449-7728
Payment Address: PO Box 60097, City of Industry, CA 91716-0097
Overnight Payment Address: PSCU Financial Services
560 Carillon Parkway, St. Petersburg, FL 33716
|
|
Other Helpful Numbers
Credit Bureaus
Equifax: (800) 525-6285
Experian: (888) 397-3742
TransUnion: (800) 680-7289
Social Security Administration (Fraud line): (800) 269-0271
|
|
