CARD RENEWAL: Cards are issued with an expiration date. If your card is inactive for over a 6-month period, you will need to contact SECU to reactivate. Prime Rate plus an additional amount. For calling outside the U.S., you may call Visa Global Customer Assistance collect at +1-303-967-1096. Portions Copyright Kasasa, Ltd. All rights reserved. To report a lost or stolen VISA card, call 209-383-5550 or 800-542-2345 ext. 23. a. DISHONORED CHECK A fee of up to $15.00 may be imposed if payment is made with a check that is dishonored on the second presentment. Effect of APR Increases:If an APR Increases, interest charges increase. If the Prime Rate Cash back cards will receive $10 per month. You also agree to return your card(s) and any unused Transfer and/or Convenience Checks to us. Balance Transfers: Website: http://www.secumd.org Main Phone: (410) 487-7010 Main Office: 971 Corporate Blvd Linthicum Heights, MD 21090 - 2342 Find Branches Near Me About SECU Credit Union SECU Credit Union was chartered on Oct. 17, 1951. 16. Where do I mail Visa credit card payments? APR for Purchases, Balance Transfers, and Cash Advances:It equals the prime rate plus 6.74%; plus 7.74%; plus 9.74%; plus 12.74%; or plus 14.74% depending on your credit worthiness. Stay safe from fraudsters this holiday season! The card, available to current or former state employees in North Carolina, comes with an exceptional APR on purchases, balance transfers, and cash advances. The information about costs of the card are accurate as of June 1, 2023. LOST CARD NOTIFICATION: If you believe your card, convenience checks and/or Personal Identification Number (PIN) has been lost or stolen, you will immediately call us at 410-487-7328 or 1- 800-879-7328. c. If you give us your written permission. SECU sends either full or partial payment to your creditors in the order you list them. State Employees' Credit Union - Visa Gift Card Access the My Cards feature in your Net24 Online Banking or Mobile App. 10. Print Request Form. decreases it will cause the APR to decrease. Present the card to a participating VISA plan merchant, to us or to another financial institution. If you decide to access this website, you do so entirely at your own risk and subject to the terms and conditions of use on such website. You agree to use the account only for personal, family, household or charitable purposes. If you choose to skip a payment when offered, we will continue to assess FINANCE CHARGES. Pay for purchases at places that agreed to accept the card. decreases it will cause the APR to decrease. account agreement. Visa Credit Cards Balance Transfer There's no annual fee, either! RESPONSIBILITY: If we issue you a card, you agree to repay all debts and the FINANCE CHARGE arising from the use of the card and the card account. b. GOVERNING LAW: This agreement is governed by the Annotated Code of Maryland, Financial Institutions Article, Title 6 and the Annotated Code of Maryland, Commercial Law Article, Title 12, Subtitle 9 and applicable federal law or regulation. MONTHLY PAYMENT: 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 balances of purchases and cash advances, the total new balance, the FINANCE CHARGE due to date and the minimum payment required. How We Will Calculate Your Balance:We use a method called average daily balance (including new purchases). You will be in default if you die, file for bankruptcy, or become insolvent, that is, unable to pay your obligations when they become due. We, us and ours mean State Employees Credit Union of Maryland, Incorporated (SECU). In this agreement, the words you and your mean each person who has signed the application for the card. GOVERNING LAW: This agreement is governed by the Annotated Code of Maryland, Financial Institutions Article, Title 6 and the Annotated Code of Maryland, Commercial Law Article, Title 12, Subtitle 9 and applicable federal law or regulation. Apply Now Questions Newsletters Present the card to a participating VISA plan merchant, to us or to another financial institution. FAQ frame - State Employees' Credit Union Effect of APR Increases:If an APR Increases, interest charges increase. You may request an increase in the amount of your credit line by written application or oral communication to us. Login now to manage it! We must tell you the name of anyone we reported you to, and we must tell anyone we reported you to that the matter has been settled between us when it finally is. Travel Tips. CLOSING YOUR ACCOUNT: You can cancel or close your Account by writing to us at SECU, 971 Corporate Blvd., Linthicum, MD 21090. If you fail to pay the amount that we think you owe, we may report you as delinquent. You authorize us to submit payroll deduction requests, when available, from your wages, salary or pension to the State of Maryland or other employer agency for any amounts in default without additional authorization. var BCM_Banner_Path = window.location.protocol + '//www.onlinebanktours.com'; BCM_Looping = true; function func4a7a14a3073262b8eeb530d061f4c18cf25381e4() {if(!document.getElementById('BCM_Light_Box_Script')) {var script = document.createElement('script');script.src = BCM_Banner_Path + '/external/v5/BCM_Light_Box.js'; script.type = 'text/javascript';script.id = 'BCM_Light_Box_Script';document.getElementsByTagName('head')[0].appendChild(script);}if(!document.getElementById('BCM_Light_Box_Styles')) {var css = document.createElement('link');css.type = 'text/css';css.rel = 'stylesheet';css.href = BCM_Banner_Path + '/external/v5/BCM_Ad_Styles.css';css.id = 'BCM_Light_Box_Styles';document.getElementsByTagName('head')[0].appendChild(css);}var bcm = document.getElementById('image4a7a14a3073262b8eeb530d061f4c18cf25381e4'); bcm.href = 'javascript:void(0);'; bcm.removeAttribute('target'); bcm.addEventListener('click', function(e) { e.preventDefault(); beavercreekmarketinglightbox.returnFocusTo(bcm); beavercreekmarketinglightbox.setURL(BCM_Banner_Path + '/external/v5/player.php?key=4a7a14a3073262b8eeb530d061f4c18cf25381e4&loop=' + BCM_Looping); return false; }, false);};func4a7a14a3073262b8eeb530d061f4c18cf25381e4(); var BCM_Banner_Path = window.location.protocol + '//www.onlinebanktours.com'; BCM_Looping = true; function funcd56181a4b7f3750b72dff923372ffa805a567d15() {if(!document.getElementById('BCM_Light_Box_Script')) {var script = document.createElement('script');script.src = BCM_Banner_Path + '/external/v5/BCM_Light_Box.js'; script.type = 'text/javascript';script.id = 'BCM_Light_Box_Script';document.getElementsByTagName('head')[0].appendChild(script);}if(!document.getElementById('BCM_Light_Box_Styles')) {var css = document.createElement('link');css.type = 'text/css';css.rel = 'stylesheet';css.href = BCM_Banner_Path + '/external/v5/BCM_Ad_Styles.css';css.id = 'BCM_Light_Box_Styles';document.getElementsByTagName('head')[0].appendChild(css);}var bcm = document.getElementById('imaged56181a4b7f3750b72dff923372ffa805a567d15'); bcm.href = 'javascript:void(0);'; bcm.removeAttribute('target'); bcm.addEventListener('click', function(e) { e.preventDefault(); beavercreekmarketinglightbox.returnFocusTo(bcm); beavercreekmarketinglightbox.setURL(BCM_Banner_Path + '/external/v5/player.php?key=d56181a4b7f3750b72dff923372ffa805a567d15&loop=' + BCM_Looping); return false; }, false);};funcd56181a4b7f3750b72dff923372ffa805a567d15(); var BCM_Banner_Path = window.location.protocol + '//www.onlinebanktours.com'; BCM_Looping = true; function funcc9e19319ff1dc95f2c1afeb33fd3e80de176fbd9() {if(!document.getElementById('BCM_Light_Box_Script')) {var script = document.createElement('script');script.src = BCM_Banner_Path + '/external/v5/BCM_Light_Box.js'; script.type = 'text/javascript';script.id = 'BCM_Light_Box_Script';document.getElementsByTagName('head')[0].appendChild(script);}if(!document.getElementById('BCM_Light_Box_Styles')) {var css = document.createElement('link');css.type = 'text/css';css.rel = 'stylesheet';css.href = BCM_Banner_Path + '/external/v5/BCM_Ad_Styles.css';css.id = 'BCM_Light_Box_Styles';document.getElementsByTagName('head')[0].appendChild(css);}var bcm = document.getElementById('imagec9e19319ff1dc95f2c1afeb33fd3e80de176fbd9'); bcm.removeAttribute('target'); bcm.addEventListener('click', function(e) { e.preventDefault(); beavercreekmarketinglightbox.returnFocusTo(bcm); beavercreekmarketinglightbox.setURL(BCM_Banner_Path + '/external/v5/player.php?key=c9e19319ff1dc95f2c1afeb33fd3e80de176fbd9&loop=' + BCM_Looping); return false; }, false);};funcc9e19319ff1dc95f2c1afeb33fd3e80de176fbd9(); 1 Rate: Interest APR (Annual Percentage Rate) is listed as low as. We must tell you the name of anyone we reported you to, and we must tell anyone we reported you to that the matter has been settled between us when it finally is. This balance is figured by adding the outstanding balance (including new purchases and deducting payments and credits) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. ScoreCard Rewards points can be redeemed for airfare, hotels, rental cars, and fuel discounts. FEE No annual fee, cash advance fee, or foreign transaction fee*** Show Card Details Rewards Visa Card Points with no limit and no expiration. All origination, servicing, collection, marketing, and informational materials are provided in English only. Within this 17 day time period, you may cancel your balance transfer by calling us at 800-879-7328. Headquartered in Linthicum Heights, MD, it has assets in the amount of $2,801,596,482. You do not have to pay the questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. If the Prime Rate increases, it will cause the APR to increase. . If the Prime Rate causes an APR to YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE: We must acknowledge your letter within 30 days, unless we have corrected the error by then. We are a Loyalty Program that is connected to your debit or credit card from your financial institution. Credit Terms -The Interest Charge Calculation Method applicable to your account for Cash Advances and Credit Purchases of goods and services . VISA Credit Cards | Merced School Employees Federal Credit Union The information about costs of the card are accurate as of June 1, 2023. 987 and its implementing regulations). You will also be required to pay our collection expenses, including court costs and an additional sum equal to 20% of the aggregate of the principal and interest due if your account is referred to an attorney at law or collection agency for collection. The Credit Union does not provide, guarantee, endorse, or assume responsibility for any content, products or services that may be provided by the website you are entering. the new APR to any existing balances, subject to any promotional rate that may apply. change, we put the new APR into effect as of the first day of the billing period for which we calculate the APR. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT: If you think your VISA statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at SECU, 971 Corporate Blvd., Linthicum, MD 21090. The following disclosure represents important details concerning your credit card. With high returns and the freedom to access your funds whenever you need them, our High-Yield Money Market helps get you more out of the money your business isnt spending. Address) First Card (non-U.S. 3. Call Visa Credit/Debit Card Services for Lost or Stolen cards (Telephone Options) To report a Debit Card: Contact SECU's Main Line at 281-285-4551 (1-800-272-7328 Toll Free/International) and select option 2 for Member Services, option 3 for Debit Cards, and option 4 for Lost or Stolen Cards. You will be in default if you break any promise you made or any security agreement made in connection with an advance. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT: If you think your VISA statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at SECU, 971 Corporate Blvd., Linthicum, MD 21090. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. 1. 1. Continue paying each creditor until the transfer appears as a credit. How can I apply for a credit card online? b. How To Pay My Secu Credit Card Bill & Customer Service Your name and account number. State Employees' Credit Union - Visa Credit Cards Enroll in Member Access To enroll in Member Access, you will need the following: 16-digit ATM/Debit card number 3-digit voice response number online security and browser requirements. Balance Transfers: Total value of transfers cannot exceed your credit limit. If the Wall Street Journal does not If the Wall Street Journal does not If you need more information, describe the item in question. We may approve transactions which cause the balance to exceed your credit line without waiving any of our rights to this Agreement. If the Prime Rate causes an APR to Finance charges for balance transfers will begin to accrue from date of the transaction and continue to accrue until payment in full is credited to your account. 20. Credit Cards. In this agreement, the words you and your mean each person who has signed the application for the card. You cannot disclaim responsibility by notifying us, but we will close the account for new transactions if you so request in writing and return all cards. The exchange rate for transactions in 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, which may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date. If you need more information, describe the item in question. Select "Manage Cards" to enter the location and dates you'll be traveling. Notice to any one of you will be notice to all. Every time you make a purchase using your card, you earn valuable bonus points that can be redeemed for merchandise, travel and so much more. This APR will vary with the market based on the Prime Rate. Rush requests are $25.00 per request. SECURITY INTEREST: Except for real estate loans, collateral securing other loans with SECU may also be used to secure this VISA account. VISA Credit Card | MECU Municipal Employees Credit Union If you do not pay us immediately, outstanding balances will continue to accrue FINANCE CHARGES and other charges and be subject to the terms and conditions of this Agreement. 14. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. CLOSING YOUR ACCOUNT: You can cancel or close your Account by writing to us at SECU, 971 Corporate Blvd., Linthicum, MD 21090. Balance Transfers: Total value of transfers cannot exceed your credit limit. No annual fee Complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine (ATM) or other type of electronic terminal that provides access to the VISA system. Pay for purchases at places that agreed to accept the card. You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and Effect of APR Increases:If an APR Increases, interest charges increase. oo } pTe[PMkk=Yp ) P2W" eu>aFm 4,hReZ . There are two limitations on this right: Statements and notices will be mailed to you at the most recent address you have given SECU in writing. (b.) IRREGULAR PAYMENTS: We reserve the right to accept late payments or checks and money orders marked payment in full without any prejudice to our rights under this agreement. Obtain cash advances from our ATMs or at any ATM displaying the VISA logo in conjunction with your PIN. Your notice becomes effective within five days after we receive it. Your use of the card after the effective date of the amendment will indicate your agreement to the amendment. Promotional and Introductory balance transfer rates are only available for balances transferred from non-SECU accounts. For more information or contact a MECU representative for details. You will also be in default if something happens that we believe may substantially reduce your ability to repay what you owe. a. It must be approved by our loan office. Click one of the items to the left to get started! If we do, we will select the currency conversion rate at our discretion. The following disclosure represents important details concerning your credit card. You will be in default if you make any false or misleading statements in any credit application or update of credit information. b. State ECU Credit Cards | State ECU - State Employees Credit Union Becoming a member is easier than you think. You may only make a total of $1,000 in cash advance withdrawals per day with a minimum of $10.00. If you choose to skip a payment when offered, we will continue to assess FINANCE CHARGES. c. Obtain cash advances from any financial institution that has agreed to accept the card. b. It must be approved by our loan office. The card also features no annual fee, no fees for balance . Account means your VISA Credit Card line of Credit account with us. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 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.

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