VISA

Charge it! With our low, fixed-rate VISA credit card, you won't be feeling buyer's remorse. With instant loan decisions, online or by phone, you'll be on your way to shopping with the safety of a VISA credit card in no time. Start saving money right away by transferring your higher-rate balances to us. Or, visit our Education Center for free, unbiased articles about credit and credit cards. Choose from one of our four options:

Platinum Rewards
Platinum
Classic
Classic Starter

All our VISA cards feature:

Low, fixed rates
No annual fee (Platinum Rewards annual fee waived the first year)
eStatements
- View online video - New!
Online payments and account history
Skip-a-Loan Payment option
25-day grace period for purchases
No cash advance fee
No balance transfer fee
Travel Accident Insurance
Zero Liability Coverage
Free Rental Car Insurance

VISA Platinum Card Additional Features:

VISA Platinum Rewards Card
Life should be rewarding. Now your Pacific Serivce CU VISA Platinum Rewards card offers you all the convenience of a VISA credit card with the added benefit of rewards. Each time you use your Rewards card for everyday things - gas, groceries, gym fees - you earn points to spend however you'd like. You'll earn one point for every dollar you spend. And you're not limited to flights, you can redeem points for brand name merchandise or getaway with a complete travel package!

Gifts & Gadgets. Browse categories like Kitchen, Electronics or Sporting Goods, from name brands like Black & Decker, Nike and Toshiba - anything in the extensive Rewards catalog.

Destinations. When it comes to travel - you buy, you fly. Cruise to Alaska for adventure or fly to New York City in style - the possibilities are endless.

Simple online redemption. You can track your points online and even search by point level, so you always know what you can have today. Once you've decided how to spend your points, place your order online or by mail. It's that easy!

VISA Classic & Classic Starter Card
Our VISA Classic card is a great alternative to high-rate credit cards. With VISA's Zero Liability Protection, you'll have a safe way to shop in person or online all with a great, low rate.

Even if you don't have established credit, you may be eligible for our $500 VISA Classic Starter Card. If you've got a job or you're a student, we've got a low-rate VISA Classic Starter Card with a $500 credit limit just for you. With controlled spending and timely payments, you'll be on your way to establishing a good credit history. Building good credit today will pay for benefits in the future. After all, your first car loan or home loan is not too far away!

Skip Your Loan Payment!
Need extra cash? We know that sometimes you need to stretch your budget for unforeseen expenses, tax payments or emergencies. Don't worry we can help. Pacific Service CU now offers you the opportunity to skip your loan payment up to twice a year. It's free and it won't affect your good credit. Find out more.

You may already be approved! For more information, call our Loan By Phone center at (888) 858-6878, ext. 6332.

Debit/Credit Card Security

As part of our state of the art fraud detection system, an alert is generated when a transaction on your debit or credit card appears to fall outside of your normal spending pattern. If you are traveling out of state, out of the country or making a large purchase, please contact the Credit Union prior to your travel or purchase transaction, in order to bypass an alert on your account. The alert triggers a call from a fraud analyst or automated voice system to the phone number on record with the Credit Union asking you to verify whether you authorized this transaction. By confirming the last four digits of your social security number and the transaction, you may continue to use your debit or credit card. If the fraud analyst cannot make immediate contact with you, the card may be blocked from future transactions until you can be reached for confirmation. It is important that you provide us your most current phone numbers including cell phone numbers.

Important Phone Numbers for your credit card:

During business hours (Monday - Friday 8 a.m. - 5 p.m.) please call a member service representative at (888) 858-6878, ext. 6353 or email us
After Hours Numbers:
- Report a lost or stolen card: (800) 543-5073
- Declined transactions with available funds using your PIN: (800) 793-5979; from outside U.S. call collect (651) 361-2021
- Declined transactions with available funds using your signature: (800) 890-5097; from outside the U.S. call collect (727) 556-9000

To be eligible for our VISA Classic Starter Card, members must be 18 or older and have no adverse credit history.

VISA Rewards: Complete VISA Terms & Conditions. Cash advances and balance transfers do not qualify to earn points. $60 annual fee applies after the first year. Points will expire no less than 36 months after they are earned.