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Low Rate Credit Card

Perfect for people who want to save on interest

Digital Application
  • Overview

    The Benefits of a PDCU Low Interest Credit Card

    • Pay for purchases and services worldwide
    • No annual fee and a 25-day interest-free period
    • ATM Access at all machines displaying the VISA logo
    • Auto Rental Collision Damage Waiver Insurance

    Low Interest Credit Card Offer

    A low-interest credit card makes large balances more manageable. Therefore, if you carry a balance from one month to another, a low APR credit card could be a good fit.

    Digital Application

    5.99% introductory APR rate*

    A great credit card to use when the goal is to pay the least amount of interest possible.

    Start saving on interest today!

    When you use a Visa® credit card from PDCU, you have the freedom to pay for goods and services anywhere in the world! Plus a 25-day interest-free period plus No annual fee.

    Click here if you need to report a lost or stolen Visa Credit Card.

    Love the Mobile App!

    James - Member since Nov 2018
  • Rates

    Rates

    Credit Cards

    Rates Effective as of: 11-18-2019
    Type Minimum Payment Term Rate (APR) Intro Rate (APR)
    REWARDS VISA3% of Balance, $30 Minimum 9.50% 3.99% for 6 months
    PREMIER VISA3% of Balance, $30 Minimum 13.80% 5.99% for 6 months

    APR=Annual Percentage Rate
    The rate on all Visa credit cards may increase to 15.0% APR if the minimum payment due is not paid for two consecutive months.

  • FAQs

    Frequently Asked Questions

    To report lost or stolen card you must call Visa directly at 800-325-3678. Visa Will contact People Driven Credit Union Daily to re-issue a new credit card. If there is anything else we can do for you please call People Driven Credit Union at 844-700-7328.
    You can make your payment:
    1. To make a payment from your People Driven account please log into online banking and select ‘transfers’. From there please select where you want to transfer from and select the VISA to transfer to.
      1. You can also set up an auto transfer to the visa, you can change the frequency to something other than one time.
    2. To make a payment with a debit card please call 844-700-7328.
    3. You may also give us a call at 844-700-7328 and a rep may transfer a payment for you from your PDCU savings or checking account.
    4. If you would like to mail in your payment, please mail it to the credit union:
      1. 24333 Lahser Rd, Southfield, MI 48033
      2. Or to PO BOX 984, Southfield, MI 48037

Low Rate Credit Card

Perfect for people who want to save on interest

Get your low rate Visa now
Disclosures

* Use of a calculator tool is not a guarantee of credit.

Visa® Credit Card Disclosure  Interest Rates and Interest Charges Annual percentage rate (APR) for
Purchases.

5.99% introductory APR for six months based on your creditworthiness. After that, your APR
will be 9.5% or 13.8%, based on your creditworthiness. APR for Balance Transfers 5.99% introductory APR for six months based on your creditworthiness. After that, your APR will be 9.5% or 13.8%, based on your creditworthiness.

APR for Cash Advances 5.99% introductory APR for six months based on your creditworthiness. Therefore, your APR will be 13.8%, based on your creditworthiness. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

In addition For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.Gov/learnmore.

In conclusion, Annual Fee None, Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars. Penalty Fees • Late Payment • Returned Payment Up to $25.00 $30.00 How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).

Complete PDCU Visa credit card disclosure