What the Visa Card has to offer
The Woolworth Visa Card features low interest rates, no cost balance transfers, no annual fee, up to 55 interest free days, interest charges that are calculated daily and charged monthly, cash advance, Internet and telephone access and the peace of mind that Visa is accepted worldwide.
The Application
The application for a Woolworth Visa card can be found online. The Application can be filled out and submitted on line or it can be printed from online, filled in and submitted at the Woolworth Credit Union office anytime during regular office hours.
The information required on the application is contact data, residential address, home ownership or rental, employment details including salary and employer contact information. Bank balances and debt payments including mortgage and other loans and personal references. There is a section in the event the applicant wants to apply for a credit card balance transfer.
The application will be reviewed based on the information provided, as well as the applicant’s credit score. The applicant will be notified of approval or denial of the credit card.
Visa Credit Card Security
All Visa credit cards are issued with a PIN for additional security. Your PIN will be sent separately from your Visa card. You will be required to use your PIN whenever using your Visa for a cash advance, Do not write your PIN on your credit card. Memorize the number and destroy all evidence containing that information.
Credit Card Balance transfer
The Woolworth Visa Card offers a credit card balance program that allows the card holder to transfer their existing credit card balance from their old car to their new Visa card with no transfer fee. There is a special promotional introductory interest rate for qualified customers that will allow the card user the opportunity to pay off their old debt at a low or no interest rate. There is no fee to transfer the balance.
If the balance is not paid off at the end of the promotional period, that balance will be subject to the regular, current day interest rate. Cash advances are not subject to any promotional interest rate. Any purchases made on the card during the promotional period are also not subject to any promotional rates.
Interest Free Days
One of the best things to come along since sliced bread is interest free days. Interest free days offers the credit card user up to 55 interest free days on all purchases provided the balance is paid in full by the end of the billing cycle. It is an incredible money saving perk for the disciplined credit card user. If you use your card a lot and accrue a balance every month, you know how staggering the interest charges can be.
Telephone and Internet Banking
Telephone and Internet banking offers the credit card customer the ability to check balances and authorize payments over the telephone as well as setting up an online account for the purpose of account management. This lets the card holder monitor their account regularly and check all transactions as they made to be assured all charges are correctly posted.
It also allows the card holder to check for unauthorized use of the card and put a stop to the card before any damage is done. With an online account the card holder can also make monthly payments and make them onetime if the card holder is a late bill payer. This will also save the card holder late fees that can add up to be quite a bit if the payments are late two or more times a year.
Apply Today for a Woolworth Employees Credit Union Credit Card and Enjoy Interest Free Days!
