- No Annual Fee
- A maximum credit line up to $10,000
- A minimum credit line of $750
- Revolving 13.9% APR
Is your card lost or stolen?
Call 207-783-2096 during business hours, after hours call 1(800)-991-4961
Don't Already Have a CCU Visa Credit Card?
Click the link to download our Visa Credit Card application. Then, simply return it to a Member Service Representative at either of our 3 branches.
Access your Credit Card Account
To access your Credit Card account, click on the following link: www.ezcardinfo.com
Notify Us When You Will Be Traveling
If you are planning to travel away from home, its always a good idea to contact Community Credit Union to make us aware of where you will be traveling. This will help to eliminate any problems you may experience with your Visa Credit Card.
- Advance notice will help ensure that legitimate purchases are approved. In addition, you will want to verify your daily spending and cash withdrawal restrictions to make sure they are appropriate.
- Memorize your Visa card Personal Identification Number (PIN). For security purposes. never write your PIN on your Visa card.
- Keep your Visa card account number and the lost/stolen customer service contact number in a safe place (separate from your wallet or handbag).
Calculate your Credit Card Debt Payoff
Using a credit card is one thing, managing your credit card is another. Click here to connect to thePay Off Your Credit Card calculator. Calculators are a resource, not a guarantee of credit.
If you have multiple credit cards to pay off, Click here to connect to theCredit Card Debt Payoff calculator. Calculators are a resource, not a guarantee of credit.
Visa Credit Card Agreement
In this Agreement, the words you and your mean each and all of those who apply for the card, sign the application, or use the card. Card means a Visa® credit card and any duplicates and renewals we issue. Account means the Visa Credit Card Line of Credit with us. We, us, and ours mean this Credit Union.
- Responsibility. If we issue you a card, you agree to pay all debts and the FINANCE CHARGE arising from the use of the card and the card account. You are responsible for charges made by anyone else to whom you give the card, and this responsibility continues until the card is recovered. You cannot disclaim responsibility by notifying us, but we will close the account for new transactions if you so request and return all cards. Your obligation to pay the account balance continues even though an agreement, divorce decree, or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the account. If more than one person has applied for a card or signed the application, paragraph 16 below also applies to your account. You agree that you will not use or allow anyone else to use your card for any transaction that is illegal under applicable federal, state or local law.
Business/Commercial Members Are Prohibited From Engaging In Unlawful Internet Gambling“ Unlawful Internet Gambling Enforcement Act Notice: Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in illegal or unlawful Internet gambling.
- Lost Card Notification. If you believe your credit card has been lost or stolen, you will immediately call the Credit Union at 207-783-2096.
- Liability for Unauthorized Use. You will not be liable to the credit union for the unauthorized use of your card if the unauthorized use was not caused by your gross negligence or fraud. In any case, your liability to the credit union will not exceed $50.00 for other unauthorized use of your card that occurs prior to the time when you give notice of possible unauthorized use to the credit union at 144 Pine St., Lewiston, ME 04240 and you will not be liable for unauthorized use that occurs after you notify the credit union of possible unauthorized use.
- Credit Line. If we approve your application, we will establish a self replenishing Line of Credit for you and notify you of its amount when we issue the card. You agree not to let the account balance exceed this approved Credit Line. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied to principal. You may request an increase in your Credit Line only by written application to us, which must be approved by us. By giving you written notice we may reduce your Credit Line from time to time or, with good cause, revoke your card and terminate this Agreement. Good cause includes your failure to comply with this Agreement or our adverse reevaluation of your creditworthiness. You may also terminate this Agreement at any time, but termination by either of us does not affect your obligation to pay the account balance. The cards remain our property, and you must recover and surrender to us all cards upon our request and upon termination of this Agreement.
- Credit Information. You authorize us to investigate your credit standing when opening, renewing, or reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire of us about your credit standing.
- Details About Your Monthly Payment
- (a) Monthly Statement. We will mail you a statement every month showing your Previous Balance of purchases and cash advances, the current transactions on your account, the remaining credit available under your Credit Line, the New Balance of purchases and cash advances, the Total New Balance, the finance charge due to date, and the Minimum Payment Required.
- (b) Minimum Payment. Every month you must pay at least the Minimum Payment within 25 days of your statement closing date. By separate agreement you may authorize us to charge the minimum payment automatically to your share or share draft account with us. You may, of course, pay more frequently, pay more than the minimum payment, or pay the Total New Balance in full, and you will reduce the finance charge by doing so. The Minimum Payment will be any portion of the Minimum Payments shown on prior statements which remain unpaid plus either (a) 2% of your Total New Balance or $10.00, whichever is greater, or (b) your Total New Balance if it is less than $10.00. In addition, at any time your Total New Balance exceeds your Credit Line, you must immediately pay the excess upon our demand.
- (c) Payments made to your account will be applied in the following order: Fees and Finance Charges, Previously Billed Purchases, Cash Advances, and New Purchases. We may accept checks marked payment in full or words of similar effect without losing any of our rights to collect the full balance of your account with us. Any amount received in excess of the minimum monthly payment will be applied from the highest APR balance to the lowest APR balance.
- (d) All payments received will be posted by 5:00P.M. Monday through Friday. Payments received after 5:00P.M. and on a Saturday, Sunday, or a holiday will be post dated to the day payment was made.
- (e) Minimum Payment Warning: Making only the minimum payment will increase the amount of interest you pay and the time it takes to repay your balance. For an estimate of the time it would take to repay your actual balance making only minimum payments, call 207-783-2096.
- (a)When Finance Charge Begins. A finance charge will be imposed on cash advances and balance transfers from the date made or from the first day of the billing cycle in which the cash advance or balance transfer is posted to your account, whichever is later, and will continue to accrue until the date of payment. A finance charge will be imposed on purchases only if you elect not to pay the entire new balance of purchases shown on your monthly statement within 25 days from the closing date of that statement. If you elect not to pay the entire new balance of purchases shown on your monthly statement within that 25 day period, a finance charge will be imposed on the unpaid average daily balance of those purchases from the statement closing date (but not on purchases posted during the current billing period) and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance of purchases is paid in full or until the date of payment if more than 25 days from closing date.
- (b) Figuring the Finance Charge. THE FINANCE CHARGE(interest) is calculated at the periodic rate of 1.158% per month, which is an ANNUAL PERCENTAGE RATE (APR) of 13.9%.
- (i) Cash Advance/Balance Transfers. The finance charge on cash advance or balance transfers for a billing cycle is computed by applying the monthly periodic rate to the average daily balance, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined by adding to the previous balance for cash advances or balance transfers (the outstanding balance of your account at the beginning of the billing cylce) any new cash advances or balance transfers recieved and subtracting any payments as recieved or credits as posted to your accound, but excluding any unpaid finance charges.
- (ii) Purchases. The finance charge on purchases for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of purchases, which is determined by dividing the sum of the daily balances of purchases during the billing cycle by the number of days in the cylce. Each daily balance of purchases is determined by subtracting from the outstanding unpaid balance of purchases at the beginning of the billing cycle any payments as recieved and credits as posted to your account, but excluding any unpaid finance charges.
- (a) Walk-thru fee $20 (for first card)
- (b) Walk-thru fee $15 (each additional card)
- (c) Sales Draft Copy Fee $5.00
- (d) Replacement Card Fee $10.00
- (e) Late Fee $27.00 (to be imposed if payment is received more than 20 days after the due date)
- (f) Returned Payment Fee $8.00 (to be imposed on checks written on other institutions)
A 1% International Transaction Fee will be assessed on all transactions where the merchant country differs from the country of the card issuer. The converted transaction amount will be shown separately from the International Transaction Fee on your account statement. This fee will be assessed on all international purchases, credit vouchers, and cash disbursements.
Visa charges 0.8% for international transactions that do not involve currency conversions.
The exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date; this rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date plus the 1% International Transaction Fee.
Visa assessed surcharge/access fee for ATM or manual cash disbursement transactions initiated outside of the U.S. region: Visa assesses a cash disbursement fee of 0.15% + US $0.50 on international ATM transactions where a surcharge fee has not been assessed. The 0.15% applies to the amount of cash disbursed and not the surcharge/access fee. In other words if $200 is disbursed and a $3.00 surcharge fee is applied, the 0.15% will be based on the $200.
Visa Cash Disbursement Transactions outside the U.S. region with an Access/Surcharge Fee Assessed: If a surcharge fee is not assessed on a qualified Visa and Plus ATM international and regional cash disbursement transaction, the ATM cash disbursement fee will be assessed based on the location of the acquirer as follows: Asian Pacific, 0.52% + US $0.65; Canada, US $1.25; Central/Eastern Europe, Middle East and Africa, 0.42% + US $0.55; Europe, US $1.50; Latin America and the Caribbean, 0.52% + US $0.65.
YOUR BILLING RIGHTS : KEEP THIS NOTICE FOR FUTURE USE
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find a Mistake on Your Statement
If you think there is an error on your statement, write to us at:
Community Credit Union
144 Pine Street
Lewiston, ME 04240
You may also contact us on the Web: www.communitycreditunion.com
In your letter, give us the following information:
- Account information: Your name and account number.
- Dollar amount: The dollar amount of the suspected error.
- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
- Within 60 days after the error appeared on your statement.
- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing (or electronically). You may call us, however written notification is required to investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter?
When we receive your letter, we must do two things:
- Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
- Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
- We cannot try to collect the amount in question, or report you as delinquent on that amount.
- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
- We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
- The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
- You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
- You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at:
Community Credit Union
144 Pine Street
Lewiston, ME 04240
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
INTEREST RATES AND INTEREST CHARGES
|Annual Percentage Rate (APR) for purchases||Your APR will be 13.9%|
|APR for Balance Transfers||13.9%|
|APR for Cash Advances||13.9%|
||Your due date is 25 days after the close of each billing cycle. We will not charge any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.|
|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 the Consumer Financial Protection Bureau. http://www.consumerfinance.gov/learnmore
Foreign Transaction Fees
|1% for currency conversion. 0.8% for non-currency conversion.
0.15% + US $0.50 cash disbursement fee at surcharge ATMs.
Asian Pacific, 0.52% + US $0.65; Canada, US $1.25; Central/Eastern Europe, Middle East and Africa, 0.42% + US $0.55; Europe, US $1.50; Latin America and the Caribbean, 0.52% + US $0.65.
Please refer to Section 12, Foreign Transactions for more information
|$27 (to be imposed if the payment is received more than 20 days after the due date)
$8 (on checks written on other institutions)
Sales Draft Copy Fee
Replacement Card Fee
|$20.00 for first card
$15.00 for each additional card
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".
The information about the cost of the card described on this application was printed on February 10, 2016 and was accurate as of that date, but is subject to change after that date.
You should call the credit union at 207-783-2096 or write to: Community Credit Union, 144 Pine St., Lewiston, ME 04240 for any changes in the information about the cost of the card since the time of printing.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
If you have a dispute with Community Credit Union regarding your deposit or share account, you may contact us at 207.783.2096 and attempt to resolve the problem directly. If we fail to resolve the problem, please communicate the problem and resolution you are seeking to:
Maine Bureau of Financial Institutions
Consumer Outreach Program
36 State House Station
Augusta, ME 04333-0036
To file a complaint electronically, you may contact the Maine Bureau of Financial Institutions at http://www.maine.gov/pfr/financialinstitutions/complaint.htm
The Maine Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim. You will be informed of the results of the investigation.