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Credit Card FAQ

Let's talk credit - credit cards, to be exact! Having the right card in your wallet means you can make an important or impulse purchase that won't take you too far off track.

Getting a credit card that's right for U is a must. Knowing you have the best financing for your credit card purchases is smart financing, too. Have questions? That's good! We're here for U!

Let's take a look at some common credit card FAQs. We'd love to help you to see just how well the UMe Visa credit card can enhance your lifestyle.

Visa® Platinum Credit Card FAQs

It's the hottest card around! Do you have questions about the UMe Visa Platinum Card? We have the answers.

Can anyone apply for the Visa® Platinum Card?

Pretty much, as long as you're a member of UMe, of course! The good news is it's pretty easy to become a member - just follow these requirements, and you're good to go. You'll also need the usual identification stuff - such as your driver's license, so we can make sure you are who you say you are.

What kind of fees are there?

Ready for this one? There's no application fee. There are no cash advance fees. There are no balance transfer fees. There are no annual fees. And to top it off, the UMe Visa Platinum Card has a FIXED interest rate that is as low as 9.90% APR*. That's pretty good, right? We think so too.

Visa® Secure

Wondering about Visa Secure? Here are some FAQs and answers for you.

How much does Visa® Secure cost me?

Nothing. Zip. Zero. Zilch! Yup, it's free! And it's easy to use. It's incredibly helpful at ensuring your identity is always secure.

Why do I need Visa® Secure?

We shop online just like you do! And we want everyone to be as protected as possible from cyber theft and the risk of your identity being stolen. With Visa Secure, it's easy not to worry. When you shop at participating merchants online, the Visa Secure window pops up, you type in your password, hit submit, and it's all done. Your info is safe and secure just the way you (and we!) like it.

Visa® Checkout

Visa Checkout questions? We get it, one-click-to-check-out seems too good to be true. Here are some FAQs.

How does Visa® Checkout work?

When you use Visa's Secure Checkout, you don't have to type your credit or debit card number into a retailer's website when you pay for your purchase. Instead, simply click the Visa payment button and type in your Checkout username and password. Visa then sends a payment code to the retailer without giving the retailer your card number. Visa Checkout is an easy, breezy way to pay online with no hassle and top-notch security. To set up your UMe Visa card, click here and follow the prompts. Then, look for the New online checkout logo. icon where Visa is accepted, and you'll be good to go.

What advantages does Visa® Checkout offer to me?

Convenience! Your primary benefit is the freedom from needing to have your card on hand to make online purchases. Your card info is all safely stored for you. Additionally, you can receive special discounts and offers when you use Visa Checkout, which helps you save money!

Zero Liability

We're serious about zero liability when it comes to card fraud. Here are some common questions we've received about it.

What happens if someone uses my Visa card without my permission?

Don't worry, we've got you covered. Visa's Zero Liability Policy is a guarantee that you won't be held responsible for unauthorized charges made with your Visa card or account information. That means you're protected if your UMe Visa credit or debit card is lost, stolen or fraudulently used, online or offline. Just give us a call as soon as you are aware of any suspicious activity so we can get started finding a resolution for you.

What if someone uses my PIN to make a purchase?

Visa's Zero Liability offer does not extend to situations where your PIN is used, so make it your mission to guard your PIN like your bank account depends on it. We encourage you to keep changing that PIN often so you do not have to worry about anyone who may be watching over your shoulder. Additionally, always cover your hand when you're entering your PIN, so no one can see your number.

Balance Transfers

Wondering how balance transfers work? Here's the scoop...

I want to transfer my high-interest rate credit card balance. What's the best offer out there?

It's right here! With the Visa Platinum Credit Card from UMe, you're paying nothing to make that transfer. There are no balance transfer fees. Not even a percentage of the balance, like all those other guys. And, we offer fixed rates as low as 9.90% APR*. That means you have no excuse to keep paying those high costs any longer.

How long will it take me to get the card?

You could wait for us to mail it. But, are you itching to use it? If so, stop by our UMe branch and we'll instant issue it for you, right on the spot. You'll get to go home with your new plastic in hand - today!


Here's the good stuff that we know you want to know about.

What's the best rate available on the Visa® Platinum Card?

We have good news for you! Well-qualified applications can score a fixed, low-interest rate of just 9.90% APR*. That's super low and super attractive.

UMe Visa Rewards

Now the fun can begin. Who doesn't want to be rewarded for spending money?

How do I earn Visa Rewards points?

You earn one point for every dollar you spend. Plus, when you spend at least $1,000 in the first 90 days of getting your card, you get 10,000 bonus points! Yes, we're rewarding you like you spent $10,000! (Bonus Points offer good for new cards only, one per account)

What can I redeem my Visa Rewards points for?

The better question is what can't you redeem your points for. Cash! And brand-name merchandise, gift cards, airline tickets, hotel rooms, car rentals, and cruises are all at your disposal. Our money-smart members can enjoy the option to redeem points in the form of cash back. And our members with a heart for giving can even elect to donate their points to over 1,000 worthy charities. There truly is an option for everyone.

How do I redeem my Visa Rewards?

We like to make things easy for you (have you noticed?) which is why there are three options: 1) Sign in to UMe online banking. 2) Sign in to our UMe app. 3) Call 888-347-0863 day or night. You'll be redeeming your points in no time at all!

Start Saving & Spending With The UMe Visa® Platinum Today!

Now that you have all the answers to your burning credit card FAQs, what are you waiting for?

Start spending (and saving!) with UMe Credit Union's Visa Platinum credit card today.


Credit Card Overview


*APR is based on an evaluation of your creditworthiness.

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