The Dupage Credit Union Visa Gold line of credit cards do not have a low interest rate, an introductory rate period or any rewards points programs. However, these personal credit cards can be attractive to consumers looking for a moderately sized line of credit with no hidden fees. The Consumer Financial Protection Bureau details the rules of the Credit Card Act of 2009 so that consumers can learn what their rights are.
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Credit cards offered by Dupage Credit Union can be applied for only if you are an existing member. Though this greatly reduces the amount of successful applicants, it may be easier to be approved for personal credit cards through Dupage Credit Union than major banks.
Dupage Credit Union Visa Gold Specifications
Items and services bought with Dupage Credit Union Visa Gold credit cards are subject to the standard 16.88% interest rate. Interest becomes applicable on credit card balances after the close of a billing cycle, or after the beginning of the next billing period.
Consumers that are approved for the Dupage Credit Union Visa Gold card also get access to Visa’s emergency roadside assistance program. Both payments and balances can be access online with a web-based system called FinanceWorks. When a cardholder requests a credit card cash advance, the amount of interest charged on balances is 19.88%.
Dupage Credit Union Visa Gold Restrictions
Even if payments are not made or processed on time, the Dupage Credit Union does not charge Visa Gold account holders a default interest rate. Instead, the likelihood of account closure increases.
Although the Visa Zero Liability Protection policy does account holders the chance to be refunded for any charge that they are not satisfied with, this program must be used with impunity. For example, cardholders will need to go through all of the necessary channels, including the original manufacturers, before Visa will agree to refund their credit cards.
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