CINFED'S GOAL IS SIMPLE: To offer a great credit card! When so many credit card issuers continue to add hidden charges and increase fees, Cinfed wants to provide an affordable alternative.
Being a Cinfed member gives you the advantage:
• No annual fee
• No cash advance fee
• Same low rate for purchases, balance transfers and cash advances
• Hometown service! Call 513-333-3917, our loan specialists are ready to answer your questions.
For Lost or Stolen Credit Cards call 1-800-449-7728.
To activate Visa Card: 1-800-527-7728
To activate MasterCard: 1-800-527-7728.
Managing your account is easier than ever...
Check your credit card account information any time of the day with InfoLink Plus.
Just follow the registration instructions with InfoLink Plus to view your credit card details.
CREDIT CARDS AVAILABLE FROM CINFED
Visa Platinum
8.9%
Visa Gold
13.9%
Visa Classic
15.9%
MasterCard
15.9%
With Cinfed’s Visa Gold or Visa Platinum you also receive:
• Travel Accident Insurance
• Warranty Manager Protection
• 24-Hour Worldwide Emergency Assistance
• Auto Rental Insurance
CU REWARDS CARD BONUS POINTS!
Plus you get CU Rewards Card points! For every $1.00 you purchase with your Cinfed Visa Gold or Visa Platinum, you receive one point to use toward a bonus of your choice. Choose to redeem your CU Rewards Card points for merchandise, travel or gift certificates to some of your favorite stores. Call 1.800.900.6160, visit curewards.com or see the catalog inserts in your Cinfed credit card statements.
And, receive extra protection for your online purchases! Create a password to protect your credit card when you buy online. Introducing Verified by Visa, a new service that helps prevent unauthorized online purchases before they ever happen!
For details, just click on Verified by Visa. Mastercard also offers online puchase protection through their MasterCard SecureCode program. Click Mastercard SecureCode to learn more.
INTEREST RATES AND CHARGES
Annual % Rate for Purchases, Cash Advances & Balance Transfers
Method of Computing Finance Charge
Annual Fee
Visa Platinum
8.9%
Average Daily Balance (Including new purchases)
None
Visa Gold
13.9%
Classic Visa/
MasterCard
15.9%
You will receive one of the rates listed above at account opening based on credit worthiness. After that, your APR will vary with the market based on the Prime Rate. Same low rate for Purchases, Balance Transfers and Cash Advances.
FEES
Annual Fee:
None
TRANSACTION FEES
Cash Advance Fee:
None
Foreign Transaction:
None
PENALTY FEES
Late Payment Fee:
$25.00
Return Payment Fee:
$25.00
How We Calculate Your Balance:
We use the "Average Daily Balance (including new purchases)" method.
How to Avoid Paying Interest on Purchases:
Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest charge: If you are charged interest, the charge will be no less than $0.50.
Credit Card Tips:
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard.
This information is accurate as of July 1, 2010. This information may have changed after that date. To find out what may have changed, call us at 513-333-3917 or write to us at: Cinfed Credit Union, 550 Main Street, Room 5510 Cincinnati, Ohio 45202.
