Visa Credit Card
Want to keep your cash? Let Service One’s VISA® platinum rewards card help! It has NO ANNUAL FEE and cardholders are eligible for CURewards! Members can personalize their card with the Design Your Own Card (DYOC) program.
Sign up for Mobile Alerts and be notified when your card is used.
Introductory special rate of 3.99% APR* for 12 months on purchases and balance transfers completed within 90 days of account opening!
Variable Annual Percentage Rate as low as 10.25% APR*.
- No Balance Transfer Fee
- No Annual Fee
- Earn CASHBACK Rewards
- $1,000,000 Travel Accident Insurance Coverage
- Auto Rental Insurance
- 24/7 Member Service and Lost/Stolen Reporting
- Year-End Annual Activity Summary
For more information about our VISA® platinum credit card, please view our Credit Card Disclosure below.
Card Services
Card Issues
Need to Activate your Card?
Please call the number shown on the activation sticker on your card from the phone number on your account, or call 1-800-527-7728.
Lost/Stolen Card?
For Debit or Credit Cards, call 1-800-449-7728.
Receive a Letter/Message about a blocked or compromised Card?
If you received a message or letter that your card has been blocked because of unusual spending activity, please call 1-800-654-7728 to verify transactions.
Service One would never ask for sensitive information like your social security number, account information, or card number by text, email or telephone.
Problems with your Credit Card?
Please call 1-800-449-7728.
Reset pin #, call 1-888-886-0083. Note: must call from the phone number listed on the account.
Problems with your Debit Card?
Please call Service One during regular business hours at 1-800-759-8500. Or call 1-866-820-8860 or 1-800-449-7728 after hours.
Reset pin #, call 1-866-985-2273. You must call from the phone number listed on the account.
Card Alert Notifications
Activating Debit Card Alerts
Log in with your debit card information to set up tracking your debit card for large purchases, activity notifications, low balance warnings and more. You choose the alerts you want to receive and how you want to receive them, by text message or email.
Activating Credit Card Alerts
Interested in tracking credit card usage, also? You can activate credit card alerts by visiting the credit card portal in Service One’s online Home Branch. Alert notifications can also be sent by text message or email.
Traveling
Traveling with a Credit Card?
As a safeguard, our Fraud Detection service may flag or temporarily block your card if spending patterns change dramatically until you can be reached to verify recent activity. You may want to contact Service One before you travel to let us know where you will be, and how long you will be away to minimize any potential problems when using your card.
To obtain assistance while traveling within the US call 1-800-VISA-911.
To obtain assistance while traveling outside the US call collect (410) 581-9994.
Knowledge
Credit Card Fitness Program
Explore how credit cards work.
Learn how to compare offers, pay off your balance, and about your rights as a consumer with our Credit Card module in Service One’s free Financial Fitness Program.
Rewards
Would you like to earn cash back, or redeem points for travel, merchandise, and more?
Learn more about Service One’s credit card rewards program, CU Rewards!
Credit Card Disclosures
The following disclosure represents important details concerning Your Credit Card. The information about costs of the Card are accurate as of the effective date of December 1, 2018. You can call us at (270) 796-8500 or write us at P.O. Box 51770, Bowling Green, KY 42102-6770 to inquire if any changes have occurred since the effective date.
Interest Rate & Interest Charges
| Annual Percentage Rate (APR) For Purchases |
VISA Platinum: 3.99% introductory APR for 12 months. After that, Your APR will be 10.25% – 19.75% based on Your creditworthiness at the time You open Your Account. This APR will vary with the market based on the U.S. Prime Rate. |
| Annual Percentage Rate For Balance Transfers |
VISA Platinum: 3.99% introductory APR for 12 months. After that, Your APR will be 10.25% –19.75% based on Your creditworthiness at the time You open Your Account. This APR will vary with the market based on the U.S. Prime Rate |
| Annual Percentage Rate For Cash Advances |
VISA Platinum: 3.99% introductory APR for 12 months. After that, Your APR will be10.25%–19.75% based on Your creditworthiness at the time You open Your Account. This APR will vary with the market based on the U.S. Prime Rate |
| How to Avoid Paying Interest on Purchases | We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau. |
Fees
| Transaction Fees - Foreign Transaction | 1.00% of each transaction in U.S. dollars. |
Transaction Fees
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How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”