and save a PDF copy. DCU also offers a 0.5% discount if you qualify as a member for Plus or Relationship benefits on your checking account and maintain electronic payments. DCU passes along a 2% foreign currency Introductory Balance Transfer APR. You can find DCU branch and The DCU Secured Visa Credit Card has several benefits and features designed to help applicants with bad credit to improve their credit scores. New to credit cards? The DCU Visa Platinum Rewards card is a mediocre reward card, only offering 1X point per dollar spent on every purchase. still online. None. members get an answer on their application while There is also no returned-payment … patterns change. There are no rewards, but there are also no fees: no balance transfer fee, no cash advance fee, no foreign transaction fee, and no annual fee. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. Every DCU member with a DCU Free Checking Account enjoys these benefits: No monthly fee or minimum balance; Free Visa ® debit card; Free online, mobile, and branch access; Unlimited check writing; Receive your pay up to 2 days early with direct deposit; Free online Bill Payer; Free DCU ATM access; Plus Benefits Plus Benefits include all the Basic Benefits above and these additional benefits. is easy when you're away from home through Box 9130, Marlborough, MA 01752-9130. Title *First Name *Surname *Address *Graduation Course *Graduation year : Student number : Telephone: Date of Birth: Email . more information or to apply. While 6 months is a very short time for the 0% APR, this is a good way to get money in hand if you have paid off property taxes and then wait for the refund from mortgage or IRS to pay back the DCU card. or 800.328.8797. Images may be from one or more of these sources: ©Thinkstock, ©iStock, ©Fotolia. Simply log The DCU Visa Platinum Credit Card charges no fees for cash advances, balance transfers or foreign transactions. Cards for people with bad credit are notorious for high fees: annual fees, monthly fees, processing fees, application fees, the list goes on. much more. cards have? Check account holders get free access to their Equifax 2004 FICO score. purchases. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. The DCU Visa Platinum Rewards card offers just 1 point for every dollar you spend, which is about average for a small credit union card, but disappointing for a travel card. day. Access to Visa Checkout for … Content is not provided or commissioned by any credit card issuers. DCU Visa cards are safe and secure. The DCU Visa Platinum is not a feature-rich credit card, and it’s below average for a low interest rate card. Year of graduation or student number. This is a great option for people looking for a low-maintenance card. Email. The DCU Alumni Office and AIB have a long lasting relationship via the Alumni Affinity Credit Card. Q: Can I get a cash advance from my DCU Year of graduation or student number. Yes, DCU offers Optional Overdraft Protection 8.5-18% (variable) Introductory Purchase APR. Once there, you can view, print, Branch or CU Service Center. DCU will proceed in transferring the balances of any existing overdraft from your Digital Credit Union account to your corresponding DCU … Benefits of the DCU Visa Platinum Secured Credit Card. number with you. I would like … Q: What kind of consumer Yes. Top. You can also apply at any DCU branch. The regular interest rate is low. One of those benefits is a highly rated customer service department. Title *First Name *Surname *Address *Graduation Course *Graduation year : Student number : Telephone: Date of Birth: Email . Credit Card Insider and CardRatings may receive a commission from card issuers. Free use of non-DCU … no balance transfer fees, and no higher rates for account within PC Branch or Mobile PC Branch. loan officer will be in contact with you within one history. You’ll get an APR of 8.5% to 18% variable for purchases, balance transfers and cash advances. Unlike most The program savings or checking account to your DCU Visa Q: Do you offer overdraft protection (1) accepted. Advertiser relationships do not affect card ratings or our Best Card Picks. Get in touch. However, we sometimes place blocks on conversion fee for all international transactions. 4.5 4.5 / 5 stars. cash advances and balance transfers. Credit Card Offers from Digital Federal Credit Union. PC Branch and it is safer than cash. You can spend those points on travel, The low APRs are probably this card’s best features: just 13.50%–18.00% Variable for purchases, balance transfers, and cash advances. The DCU Visa Platinum Credit Card charges no fees for cash advances, balance transfers or foreign transactions. How to Transfer a Balance on a Credit Card, How to Get a Cash Advance with a Credit Card, 1X rewards point per dollar spent for all purchases, APRs of 13.50%–18.00% Variable for purchases, balance transfers, and cash advances. DCU has a nationwide presence through its website, and because of that, you dont have to be in the New England area to get a loan with DCU. rental car collision damage waiver, $500,000 in As a result, you share in the credit unions profits each year on a sliding sc… are automatically charged to your DCU Visa If your child is already a young adult who is ready to start building credit with a credit … Course/s. Digital Federal Credit Union, in Massachusetts and New Hampshire, has a card that can help establish or improve your credit history.A great option for college students, this card offers lenient penalties, very few fees, and travel and online benefits. They regularly sent a report to the credit bureaus when I had a high balance, but when I started paying it off they took months to report any change, Having now paid it off and closed the account 2 months ago it still doesn't show the account is closed. appropriate parties and replace your card. particular merchants or locations where we learn Pay online 24 hours a day by transfer from a DCU CU Service Center locations available in your area 800.657.8156 seven days a week, 24 hours a Inquiries, late payments, bankruptcy were all cleared from my credit report and my score was raised to 774 from the initial 586, here is their email address; 760pluscreditscore @ gmail . None. You may also apply You can get a cash advance by using your Their DCU Visa Platinum Secured Credit Card is one of the best secured cards on the market. All DCU credit cards now hold an EMV chip ( 6) (EuroPay, MasterCard, and Visa,) for security ( 7) and all kind of protection in the transactions ( 9 ). It offers 1x points on … In a Nutshell: The DCU Visa Platinum credit card offers a low APR, a small sign-up bonus and relatively modest fees, but unfortunately lacks a 0 percent introductory APR. Get in touch. For plus benefits you need direct deposit and e-statements, and for relationship level benefits you need those plus a loan of some sort (car, credit card, mortgage, etc). Review your home page. Pay in person at a DCU DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. We When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Plan to Use Your Credit Card Choose from our easy to use calculators to help you manage your credit cards, your debt, or your savings.. Course/s. Otherwise, your APR can range as high as 18 percent. representative will work with you to notify the No fee on cash advances. credit cards do you offer? plan on using your DCU Visa, please contact us to Yes. Rewards, and DCU Visa merchandise, gift cards, experiences, green AS LOW AS 11.50% APR. $0.00. account agreement for details. ANNUAL FEE. You’ll also … There's no annual fee and a … received by our Consumer Loans Department, a PC Branch under Account Manager. out of the country? Customer Care Services at 800.VISA.911, or fraud is prevalent to protect you and DCU. Additional benefits include a warranty manager, DCU offers our DCU Visa® The loan decision and limit would be based I would like … Apply 24 hours a day by phone 508.263.6700 When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. With the Visa Lost/Stolen Card Reporting service, The only things really worth mentioning about this DCU Visa rewards card are the lack of fees and relatively low APR rates. During benefits. call one of our toll-free numbers, and a Visa Please refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement. DCU Visa Platinum® Secured Credit Card has a variable purchase APR of 11.5% No annual fee*. The DCU Visa Platinum Rewards is exceptional for its lack of fees: There are no balance transfer fees, cash advance fees, or foreign transaction fees, and no annual fee. to three business days. Low Fees. online at dcu.org by clicking "Get a Loan.". Digital Credit Union offers a few unique DCU credit card options that all come with their own perks and benefits.The credit card options that are currently being offered by DCU are the DCU Visa Platinum, DCU Visa Platinum Rewards and the DCU Visa Platinum secured card. Works with Apple Pay™. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. And DCU offers an additional 0.25% discount for qualifying energy-efficient vehicles. products, and charitable donations. Read this for help picking your first card and find out what to expect when you apply. other programs, there are no cash advance fees, Additional benefits include a warranty manager, rental car collision damage waiver, $500,000 in travel accident insurance, travel services, and much more. Pay by mail to DCU, 220 Donald Lynch Boulevard, https://www.dcu.org/borrow/credit-cards/visa-platinum-credit-card.html when you choose this option. Platinum, DCU Visa Platinum Start early. Aside from that, you’ll earn 1X point per dollar on all purchases and get basic Visa benefits like zero liability and some travel protections. The DCU Visa Platinum Rewards card is a mediocre reward card, only offering 1X point per dollar spent on every purchase.. Credit Card Insider is an independent, advertising supported website. Regular APR. Q: How does DCU Visa Platinum DCU’s (now an annual event) 6 month no fee 0% APR balance transfer has started for 2018. Top. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Please contact us at 800.328.8797, option 3, for Dcu Credit Card. Alumni - DCU Benefits Credit Card Competition Alumni DCU Affinity Card . Our review. The biggest benefit of the DCU Visa Platinum Secured Card is the absence of fees. Dcu Credit Card. Q: What other benefits do DCU Visa Platinum cards have? Q: Can I apply for a credit card with no credit history? Q: How do I see my monthly Visa The DCU Visa® Platinum Credit Card is about as straightforward a card as you can find. Once your application has been When your statement is ready, we'll notify you by Visa at an ATM? You can view your current points earned in I saw a comment online about this credit specialist (760Pplus Credit Score) and how they helped a certain Kathy Grant.I contacted them for help, because I too had a poor credit. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Compare DCU's Visa Platinum, Visa Platinum Rewards, and Visa Secured credit card programs. Minimum Security Deposit: $500 Maximum Security Deposit: $100,000 Interest Rate: 11.50% Introductory Interest Rate: None Grace Period: 25 days Foreign Transaction Fees: None Annual Fees: None, but you must be a member of DCU which costs $15 annually in donations for those otherwise not members. Q: What if my Visa card is lost or stolen? However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. Content is not provided or commissioned by any credit card issuers. $0 annual fee; Easy approval for most applicants with poor credit who become Digital Federal Credit Union Members; You could be approved for the DCU Secured Visa Credit Card with a FICO 300 credit score Most This low APR, however, is reserved for consumers with excellent credit. Any opinions, analyses, reviews, or evaluations provided here are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by the Advertiser. them sooner, see your point totals online anytime, on employment history and verification of income. Credit Card Insider receives compensation from some credit card issuers as advertisers. visiting. Credit Card Insider receives compensation from some credit card issuers as advertisers. Yes, your DCU Visa will work wherever Visa is Q: How safe are DCU Visa cards? Credit Card Insider has not reviewed all available credit card offers in the marketplace. Few credit cards have an interest rate equal to or better than 10.00 percent. the charge itself posts. A balance transfer is a way to move debt from one card to another with the goal of saving money on interest. "Cash Advance.". DCU Institute of Education. Email. always work closely with Visa to monitor current Online access Name. This fee will post as a separate transaction after I have a question about the DCU relationship benefits. points daily, can earn bonus points, can spend DCU Visa Credit Card? ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. Few credit cards have an interest rate equal to or better than 10.00 percent. Application Fees: None Rewards Program: None Signing Promotion: None Interest Earned on Security Deposit: Yes, interest is based on the current savings account rates which can be viewed here, 0.05% at … Rental car insurance and extended warranty on purchases. Unless you’re an especially heavy spender, you’ll just barely earn enough rewards to cash in a few gift cards every year. All three programs offer very Be sure to include the payment coupon from your Alumni - DCU Benefits Credit Card Competition Alumni DCU Affinity Card . Offer ends 31 Jan. You get one point for every dollar in card RATING. save at restaurants, and more. statement in the envelope. Fees. on your Checking Account – your overdrafts You earn Cardholders member number and three-digit loan account Q: Can I use my credit card if I'm traveling Platinum Credit Card up to your credit limit for your credit card …. Name. The credit card I had a high balance and I began paying it off. If you are traveling abroad and Credit Card Insider and CardRatings may receive a commission from card issuers. into PC Branch, click on eStatements, and choose APPLY NOW LEARN MORE. reporting a lost or stolen card is simple. regular business hours call 508.263.6700 Profit sharing is another benefit of banking with DCU; the members of a credit union are also its owners and shareholders. Q: Are college students eligible for a The low APRs are probably this card’s best features: just 13.50%–18.00% Variable for purchases, balance transfers, and cash advances. Q: What other benefits do DCU Visa Platinum Digital Federal Credit Union, in Massachusetts and New Hampshire, has a card that can help establish or improve your credit history.A great option for college students, this card offers lenient penalties, very few fees, and travel and online benefits. There are two reasons why you’d want to be a member of DCU. Cardholders have zero liability for fraudulent use of their cards. Benefits include no cash advance fee and optional overdraft protection that lets users link a credit card account as a backup to their DCU checking account to avoid overdraft fees. limit, you will need to complete a Visa application ... All of our credit card benefits while you build or rebuild your credit. The DCU Visa Platinum is not a feature-rich credit card, and it’s below average for a low interest rate card. email to the address you have on file. low interest rates and no annual fees. Rewards, and DCU Visa Platinum Secured are all There is also no returned-payment fee, no over-limit fee and no minimum interest charge. Have an active loan with DCU (such as using a DCU Visa Credit Card) Relationship Benefits. Visa ® Travel Services, including $500,000 in free travel insurance coverage. com / 304 774 5902 It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege. The Rewards of DCU Visa® Platinum Rewards Credit Card RewardsYou will earn 1 point for every $1 spent.You will earn an additional 5 bonus points for every $1 spent by shopping the online network of top national and regional merchants through the Perks Points Mall.Redeem for travel, merchandise, gift cards, experiences, green products,and charitable don View More > have zero liability for fraudulent use of their cards. The most important feature regarding DCU credit cards is that all these three products, despite their different attributes ( 5 ), have a zero fee for balance transfers ( 1) (except the secured card option ( 4) ), no annual fee ( 3 ), and zero for cash advances ( 2 ). Borrow against savings in a DCU account. All have great low rates and no annual fee. As a credit union, it also has offers benefits and perks you might not be able to access at a traditional bank. Even worse, cash advances can signal to lenders that you’re being irresponsible with money. The DCU Visa® Platinum Rewards Credit Card comes with valuable features that might prove worth it if you’re a member of the DCU. P.O. Although the DCU credit card offers few perks to its cardholders, there are a few benefits worth mentioning. The regular interest rate is low. Available to credit union members only. You’ll also have access to Visa® purchase and travel protections. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. fraud patterns and add or remove blocks as these The DCU Secured Visa Credit Card has several benefits and features designed to help applicants with bad credit to improve their credit scores. There are a number of benefits to you as a graduate: No annual fee1 An introductory annual interest rate on purchases and Balance Transfers for 12 months from the date the credit card account is opened; Up to 56 days interest-free credit2; Cash advance facility; 24/7 customer service; Non-AIB customers can apply for a DCU Credit Card … Borrowing cash on your card is a cash advance. Had a checking account, savings account, and credit card with DCU. Efforts have been made to keep the content up to date and accurate. This low APR, however, is reserved for consumers with excellent credit. or 800.328.8797 (select 3) or online. Rewards work? Be sure to have your If you are interested in increasing your Visa credit Cash advances usually come with very high fees. Yes, DCU reviews applicants with no prior credit Many credit cards for bad credit charge high fees, but the DCU Visa® Platinum Secured Credit Card is an exception. check if a block is in effect for the country you are The DCU Visa® Platinum Rewards Credit Card comes with valuable features … Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. What Credit Cards Are Available? travel accident insurance, travel services, and