What credit score do I need to qualify for a credit card?
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...
Continue ReadingHow long does it take to get approved?
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...
Continue ReadingAre there any fees for applying for or using the card?
There are no application fees or balance transfer fees, but there are a few fees to be aware of: [table...
Continue ReadingWhat happens if I miss a payment?
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...
Continue ReadingWhat is the credit limit, and can it be increased?
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...
Continue ReadingCan I transfer balances from other credit cards?
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...
Continue ReadingHow do I report a lost or stolen Visa credit card?
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...
Continue ReadingHow do I make a payment on my People Driven Visa credit card?
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...
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