VISA Payments Made Easier !

Westworks Credit Union is proud to offer our VISA cardholders even more convenience in making your credit card payments. Not only can you elect an electronic method to occur each month, now you can make one time payments using S.M.A.R.T. or Virtual Branch. You can also make on-line payments in the credit union office.

As long as you make your payment before 2 PM using one of the new methods, your VISA card will receive credit that same night.

These new enhancements are available now and there is no charge for them. Call the credit union office for assistance.

Q Who may apply for a WWCU VISA Card?
A Any qualified member of the credit union may apply, and both individual and joint ownerships are available.

An application is available by telephone or in person at the WWCU office.  Simply fill it out and return it to the credit union.  We'll review the application, and when approved you'll receive your VISA Card about two weeks later.

Q How much is the annual fee?
A ZERO! In contrast with credit cards issued by many banks and other outside financial institutions, your WWCU VISA Card features NO ANNUAL FEE. With a WWCU VISA Card, you're ahead from the start!

Q Who needs a VISA Card?
A You do!  If you're in establishing credit or building a sound financial base for yourself or your family, a VISA Card can be a valuable tool. A WWCU VISA Card is also a safe and convenient way to purchase goods and services ... pay for travel and hotel accommodations ... cover dining and entertaining expenses ... and obtain quick cash advances.  Your card is welcomed at shops, banks, hotels, restaurants and VISA Automated Teller machines (ATMs) worldwide.

Q Is there a fee for cash advances?
A There is no cash advance fee on our card!

Q May I use my WWCU VISA Card to pay off balances due on higher-cost credit cards?
A Absolutely!  Take advantage of our low interest rate by consolidating your other credit card balances and saving money on interest charges.  Ask for details at the WWCU office.

    Click for More Information about Visa Debit

Q Will I receive a monthly VISA statement?
A Yes, you will receive a separate monthly VISA Card statement.  It will list all transactions, all payments, and any finance charges which may have accrued for that particular month's billing cycle.

Q How are VISA charges calculated?
A Finance charges accrue from the posting date of the new account activity, and are based on the average daily outstanding balance.  No additional finance charges are imposed when you pay the entire balance within 25 days after the statement date (payment due date).  This "Grace Period" is yet another way your WWCU VISA Card can save you money.

Complete details on VISA Card rates and terms are available at our office.

Q How may I make VISA payments?
A There are several electronic methods available. You can use eZ-Cardinfo.com, Virtual Branch or SMART. You can make payments at the credit union office or you can mail a check to the address listed on the front of your monthly VISA statement.

Q What if my VISA Card is lost or stolen?
A You must report the loss or theft immediately!  During regular business hours, you may report the loss by calling the toll-free number provided when you first receive your VISA Card.

When making your report, be sure to provide the following information:

• Your account number (credit card number)
• Where the loss or theft occurred
• Date of the loss or theft
• Whether the card was signed
• Last authorized purchase