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IVA Information Debt IVA UMBRELLA COMPANIES |
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| Union Plus Credit Card | |||||
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Issuer:HSBC Bank Nevada, N.A Credit requirement:Good credit required. Attention Union Members! You're eligible for the exclusive Union PlusŪ Credit Card - the only card endorsed by your union. Join the 3 million members who carry the Union PlusŪ Credit Card. No Annual Fee 8.99% Fixed APR on Balance Transfers for the life of the balance $0 liability on any unauthorized charges Personal Customer Service - Speak with a representative 24 hours a day Online Balance Transfer immediately upon approval Apply now and receive a response within 60 seconds NO ANNUAL FEE - Some cards give you one year free, then charge $20 or more! Secured Card click here COMPETITIVE INTEREST RATES - The Union PlusŪ Credit Card offers competitive interest rates on purchases and Balance Transfers. Please note: if you received an invitation to apply by mail or email, you can find the Terms and Conditions in that invitation. BALANCE TRANSFERS - Transfer your higher rate balances immediately upon approval. SKIP PAYMENT PRIVILEGES - You can skip up to two monthly payments each year with no penalty or harm to your credit rating. STRIKE PAYMENT PROTECTION - When your union is on a union-sanctioned strike or lockout for 30 days or more, you may skip your payment for up to 3 consecutive months. The Union Plus Credit Card is the only credit card that offers you Strike Payment Protection. LOSS PROTECTION - The Union Plus Credit Card absorbs ALL unauthorized charges. 100% FRAUD PROTECTION - If your Account shows any unusual activity, we'll contact you immediately to protect you against possible fraud. 24-HOUR CUSTOMER CARE - Contact Customer Care online or call a Customer Care Representative, no matter what time of day. UNION MEMBER ADVOCACY - Created by Union Privilege, this program helps you resolve disputes and handle concerns regarding any of the Union Privilege programs. Apply for Union Plus Credit Card |
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Credit Card Terminology Tidbits
Annual Percentage Rate (APR): This number is a measure of the cost of credit, expressed as a yearly rate. It must be disclosed before you become obligated on the account and on your account statements. Annual Fee: The fee charged for your card on a yearly basis. Depending on issuer some credit card providers may charge an annual fee, typically below the $50 dollar range, nevertheless some choose not to charge any amount. This latter type is called the no annual fee credit card. Balance Transfer Fee: A fee for transferring balances from another card to this card, if any. Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit). Cardholder: Any person who holds a payment card account. Grace period: The number of days you have to pay your bill in full without triggering any finance charges. With most plans, the grace period applies only to purchases; cash advances and balance transfers may start accruing interest immediately.
Transaction Fees and Other Charges: Some issuers charge a fee if you use the card to get a cash advance, make a late payment,
or exceed your credit limit. Some charge a monthly fee whether or not you use the card.
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