VISA® Credit Card
NBCU VISA Credit Card offers a very competitive rate and great benefits to help you get what you want, when you want it. There are no additional charges for balance transfers and cash advances.
There are many credit cards out there, but very few stack up to the value of a NBCU Visa Credit Card.
An NBCU Membership is required for a Visa Credit Card. Membership is a $5 share.
NBCU Visa Credit Card
The information is accurate as of December 19, 2024 and is subject to change. Contact NBCU by mail for any change since the information was posted. NBCU 1150 Purchase Street, New Bedford, MA 02740.
| Interest Rates and Charges | |
|---|---|
| Variable Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers | 10.49% when you open your account, after that, your APR will vary with the market based on the Prime Rate * |
| Minimum Finance Charge | $0.50 |
| 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. |
| For Credit Card Tips From the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of Consumer Financial Protection Bureau. |
| Fees and Charges | ||
|---|---|---|
| Transaction Fee | Foreign Transaction Fee | Up to 1.0% of each transaction in US dollars |
| Penalty Fee | Returned Check Fee | $25.00 |
| Penalty Fee | Late Fee | The lesser of $10.00 or 10% of the minimum payment due |
| Other Fee | Duplicate Document Fee | $6.00 |
| Other Fee | Replacement Card Fee | $25.00 |
- How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See item #3 on agreement for further details.
- Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. *APR calculation is based on the Wall Street Prime Rate + 2.99 Margin Percentage Points to determine the APR.
- Military Lending Act Written Disclosure: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premium; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).
Please contact 508-994-6546, 1150 Purchase Street, New Bedford, MA 02740 to obtain the credit card agreement.
Lost or Stolen NBCU Visa Credit Card
If your New Bedford Credit Union Visa Card has been lost or stolen, please call: 1 (800) 449-7728.