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Secured Platinum Visa
Limits from $500-$3,000
$25 Annual Fee
25 Day Grace Period on purchases
15.54% A.P.R. *
Offering competitive rates and a low annual fee, this card offers all the convenience and benefits of our Platinum Visa to members who are applying for the first time or have past credit difficulties.
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Visa Credit Card Rates and Disclosures
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Annual Percentage Rate on Purchases
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Annual Percentage Rate on Cash Advances
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Monthly Periodic Rate
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Annual Percentage Penalty Rate*
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Grace period for repayment of the balance for purchases
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Method of computing the balance for puchases
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Annual Fee
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Late Payment Fee
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Overlimit Fee
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Visa Business Platinum
10.54%
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10.54% |
.83 |
13.54% |
25 days |
Average Daily Balance (Including new purchases) |
None |
$20.00 |
$20.00 |
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Visa Platinum Preferred 690+ Beacon Score
10.54%
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10.54% |
.83 |
13.54% |
25 days |
Average Daily Balance (Including new purchases) |
None |
$20.00 |
$20.00 |
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Visa Platinum Preferred 650-689 Beacon Score
11.54%
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11.54% |
.91 |
14.54% |
25 days |
Average Daily Balance (Including new purchases) |
None |
$20.00 |
$20.00 |
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Visa Platinum 690+ Beacon Score
8.50%
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8.50% |
.66 |
11.50% |
25 days |
Average Daily Balance (Including new purchases) |
None |
$20.00 |
$20.00 |
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Visa Platinum 650-689 Beacon Score
9.50%
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9.50% |
.74 |
12.50% |
25 days |
Average Daily Balance (Including new purchases) |
None |
$20.00 |
$20.00 |
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Visa Platinum 610-649 Beacon Score
14.45%
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14.45% |
1.15 |
17.45% |
25 days |
Average Daily Balance (Including new purchases) |
None |
$20.00 |
$20.00 |
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Visa Secured Platinum Score 609 and below
15.54%
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15.54% |
1.24 |
None |
25 days |
Average Daily Balance (Including new purchases) |
$25.00 |
$20.00 |
$20.00 |
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* Penalty rate: If at any time your account becomes 30 days or more past due as described in the Minimum Payment Due and Payment Due date section on your monthly statement, the Annual Percentage Rate will be adjusted to the Penalty Rates stated above.
Only the Platinum Preferred accounts come with the Scorecard reward points.
The "Other Charges" affecting each Members Cooperative VISA Credit Card account include: "Rush" card fee - $25.00 each; Statement copies - single statement is free and any additional - $5.00 each; Copies of sales drafts - $5.00; Card Replacement fee - $5.00.
Research Fees - First Hour free - $15.00 per hour after first hour. Based on production cost, fax, postage and materials necessary to process.
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Credit Insurance Cost Disclosures
Credit Card Account credit insurance cost per $100.00 of monthly account balance
Single Credit Disability: 29.1¢
Single Credit Life: 6.1¢
Joint Credit Life: 12.2¢
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