Rewards Driven Credit Card

Contactless cards offer several benefits over traditional cards that require a physical swipe or insertion into a card reader. Some of these benefits include:

1. Speed: Contactless cards can be scanned quickly and easily, resulting in faster and more efficient transactions. This can be especially useful in high-traffic retail environments where lines are lengthy.
2. Convenience: Contactless cards eliminate the need for physical swiping or insertion, making them particularly useful for people on the go, such as commuters or those running errands.
3. Increased security: Contactless cards reduce the risk of fraud by utilizing near-field communication (NFC) technology, which establishes a secure connection between the card and the card reader. Additionally, the risk of card skimming is reduced because a contactless card remains in the cardholder's possession.
4. Reduced contact: Because contactless cards can be scanned without physical contact, they can help reduce the spread of germs and bacteria, which is especially important during a pandemic.
5. Adoption: Contactless payments are becoming increasingly widespread; it may be more convenient for cardholders to have contactless cards, as many merchants are now accepting them.

Contactless card transactions are generally faster and more convenient than traditional card transactions.

Most credit card issuers look for a fair to excellent credit score, typically ranging from 580 to 850, depending on the card. Higher scores generally increase your chances of approval and offer better interest rates.

Credit card approval can take anywhere from a few minutes (for online applications) to a couple of business days, depending on the complexity of your financial situation.

There are no application fees or balance transfer fees, but there are a few fees to be aware of: [table id="1771"]

Missing a payment can lead to late fees, higher interest rates, and potential harm to your credit score. To avoid this, it’s essential to make at least the minimum payment by the due date each month. Keep in mind that any missed or delayed payments will increase your overall interest costs. Even if you make a partial payment or prepay, you will still need to pay the minimum amount due by the next scheduled due date to keep your account current. While we may accept late or partial payments, as well as checks or money orders marked "payment in full," doing so will not settle your account or waive any remaining balance.

Your initial credit limit will depend on your credit score, income, and other financial factors. After regular use and responsible payment behavior, many issuers offer credit limit increases over time.

Yes, you can! With People Driven Credit Union's Rewards Driven Credit Card, there are no balance transfer fees. You can reduce the interest you pay by transferring your high-interest credit card balances to a PDCU Rewards Driven Credit Card, all without any additional cost.

Using your People Driven Credit Union contactless debit card is quick, secure, and touch-free. Look for the contactless symbol (represented by a sideways Wi-Fi icon) at checkout. Then:

1. Tap your card on the payment terminal where you see the symbol.
2. Hold it for a second or two—you’ll hear a beep or see a green light when the payment goes through.
3. That’s it! No need to insert, swipe, or touch the terminal beyond the tap.

It’s a fast way to pay—and your card never leaves your hand, adding an extra layer of protection.

Watch the video above to see just how easy it is.

If your People Driven Credit Union Visa Rewards Driven Credit Card is lost or stolen, or if you suspect unauthorized use, notify us immediately. "Unauthorized use" refers to any use of the card by someone without your permission, where you receive no benefit.

To report your Rewards Driven Credit Card as lost or stolen, call us at 844-700-7328 immediately.

After hours ONLY: Report a lost or stolen People Driven Credit Union Visa Rewards Driven Credit Card by calling 800-543-5073.

After your call, please follow up with a written notice to:

Credit Card Security Department PO Box 30035 Tampa, FL 33630

We may ask for your help in investigating the loss or unauthorized use. Your liability for unauthorized charges will only apply if it can be proven that you were negligent in handling the card or if you engaged in fraudulent use.

To report a lost or stolen PDCU ATM or Visa Debit Card, visit our FAQs on ATM/Debit card loss or theft.

There are several convenient ways to make a payment on your People Driven Visa Credit Card:

• Online: Log into online banking, select "Transfer," choose the account you're transferring from, and select your Visa card as the transfer destination. You can also set up automatic payments to ensure you never miss a due date.
• Mobile App: Make payments directly through the PDCU mobile app.
• By Phone: Call 844-700-7328 to make a payment with a debit card or have a representative transfer a payment from your PDCU savings or checking account.
• By Mail: You can mail your payment to:
  • People Driven Credit Union 24333 Lahser Rd Southfield, MI 48033
  • Or to PO BOX 984 Southfield, MI 48037
• In Person: Visit any PDCU branch to make your payment in person.

Setting up automatic payments will ensure you never miss a due date, and you can change the frequency to suit your needs.