• Same Low Interest Rate for all types of transactions
• No annual or Usage Fees
• No additional fees or charges for a cash advance
• Convenient Methods of Accessing Credit Line
– Point of Sale Purchase
– Cash Advance
– ATM Withdrawal
– Online transfer
– Overdraft protection
• The Monthly Payment is a “reducing payment”
– Always 3.5% on the balance owed
• uChooseRewards® Program
– Earn points to redeem for 1000’s of options including gift cards and merchandise
• Monitor your card with CardValet®
– Alerts when your cards are used or a transaction is over a preset limit.
– Spending limits- works well for parents or employers that want to manage spending.
– Set your cards to only work in certain geographic locations.
– Review your balance and transactions anytime
– Turn your card “off” so no purchases are allowed until you choose to turn it back “on”.
• Grace Period
-25 day grace period to pay off purchase at no interest
• Protect your credit with Life and Disability Payment Protection on your card
• Extended Call Center Hours 24/7
– Disputes for fraud and non-fraud transactions
– Report a card lost/stolen
– Cancel Cards
– Travel exemptions
– Transaction inquiries
– And more!
• Locally Serviced
– Speak to someone on the phone that is local or talk to them in person at the branch