VISA CREDIT CARD

Consent for Optional Over-the-Credit-Limit Transaction Coverage

Due to recent Federal Government changes enacted by the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit Card Act), we are required to decline any transaction(s) which exceeds your credit card limit – regardless of the amount – unless you have elected to “opt-in” for Over-the-Credit-Limit Transaction Coverage.
If you elect this coverage, we will authorize most transactions that cause you to go over your credit limit up to a certain amount.   However, we may charge you a fee if your outstanding balance is over your credit limit on the statement closing date.  In some cases, we may still decline a transaction that would cause you to go over your credit limit, such as if you are past due or significantly over your credit limit. 

You may “opt-in” or “opt-out” for Over-the-Credit-Limit Transaction Coverage at any time by:

•    Calling a Member Service Representative at: 727-586-4422 to have a form mailed to you.
•    Visiting your nearest PFCU branch.
•    Completing the Consent form for Optional Over-the-Credit-Limit Transaction Coverage.

 You can fax the completed form to 727-585-2274 or mail it to PO Box 2300 - Largo, FL 33776-2300

***We are required to receive your response – regardless of your election (even if you are an existing member who has previously used Over-the-Limit Transaction Coverage). Failure to “opt-in” by the regulatory deadline, will result in transactions being declined that exceed your credit limit. ***

The VISA Credit Card allows you to pay for purchases with merchants worldwide where ever VISA is accepted directly from your approved line of credit.   Pinellas FCU offers the following Visa Credit Cards and benefits: 

Visa Classic:

• $200,000 Free Travel Accident Insurance
• Auto Rental Insurance (ARI)

Visa Gold:

• $500,000 Free Travel Accident Insurance
• Auto Rental Insurance (ARI)
• Free Warranty Manager Service
• Free Travel & Emergency Assistance Service

Visa Platinum:

• $1,000,000 Free Travel Accident Insurance
• Auto Rental Insurance (ARI)
• Free Warranty Manager Service
• Free Travel & Emergency Assistance Service

Plus:

• No Annual Fee
• Low monthly payments, just 2% of you balance
• Ready cash at more than 600,000 ATM's worldwide   
• Personalized Convenience Checks
• Accepted at almost 20 million locations in 300 countries and territories
• 24 Hour Cardmember Service
• 25 Day Grace Period
• No Cash Advance Fee
• E-statements-View Your Account Balances and History Online
• Transfer Payments from Savings/Checking Account with CU Web Connect or CU Voice Connect

With the ability to apply online, by phone or at a PFCU branch, our loan application process is fast and convenient.  In most cases, you will receive a loan decision within 24 hours. So apply today by phone through CU VoiceConnect (727-588-0182 option 8), online through CU WebConnect or visit any one of our convenient branch locations.  To see a list of our current rates click here.

 Visa Credit/Debit and ATM Card Lost / Stolen Hotline:  

Click here for Credit Counseling Information.