How To Apply For DCU Visa Platinum Secured Credit Card

If you are looking for a secured credit card, then the Digital Federal Credit Union Visa Platinum Secured Credit Card holds a significant value. This is a low rate, no-annual-fee secured credit card that has a lot of benefits and features for the cardholders. However, it is always important to go through the complete card features, rates, benefits, and fees in order to make an informed decision. So, here we are discussing all the aspects of the DCU Visa Platinum Secured Credit Card to help you decide whether or not you should apply for this card.

Benefits Of DCU Visa Platinum Secured Credit Card

The low rates of this secured credit card help you save a lot more when you compare it with the rates of other secured credit cards. The Platinum Card comes without any annual fee that helps you save as much as $45 over all other cards on the market. For the cash advances, there is no higher rate of fee. You can get the advances 24 hours a day, every day from the ATMs that display the logo of Visa. Or, you can also get advances through their online banking service or by calling the DCU.

For transferring balance, there is no higher rate or fee. You can transfer balances from any other credit card to your DCU card without any charge. The other options for making transfers are Mobile Banking, Easy Touch Telephone Teller System, ATMs, DCU branches, Information Center, and DCU Online Banking. You can use any mobile device for paying bills at stores as well as within apps. Here are some of the key benefits that you will get with this credit card:

• Compatible with Samsung Pay, Google Pay, and Apple Pay
• Free Auto Rental Collision Damage Waiver
• Overdraft Protection: On DCU Checking
• Extensive Visa Travel Services
• Extended Warranty
• Visa Checkout for safe and easy online buying
• EMV Chip

Apart from these benefits, there are many more perks that you would enjoy as a DCU Visa Platinum Secured Credit Card holder.

DCU Visa Platinum Secured Credit Card: For Students

This is a great card for the students as well. If you are a college student, then this card could be a perfect choice for you. When you are away from your home, then you can have online access via Online Banking. If the student’s financial situation or the credit history is not good enough to qualify for the card, then the student can consider a co-borrower that must be an adult and make sure that he meets the requirements to qualify. Most often, the co-borrower could be a parent. Here are the 4 advantages that you must go through:

• You can build your credit history through this
• You might be able to qualify for the high credit limit
• It may lower down your interest rate
• The co-borrowers also have access to the account via online banking. They can make online transfers from their DCU account

So, if you are a student looking for a secured credit card, then you can consider this card for the above benefits that we have discussed.

Some Notable Features

This card offers you the rates that are higher than the national average. There is no annual fee and you can borrow against the DCU savings account if you have any. To protect the information on your card, it has the embedded EMV chip technology. You can buy online safely and conveniently with the Visa Checkout. You also get the optional overdraft protection feature on the DCU Checking. Apart from that, there are also benefits, such as insurance, travel, car rental, and the warranty benefits.

DCU Visa Platinum Secured Credit Card Fees And Rates

The DCU VISA, DCU Rewards VISA, and the DCU Secured Visa APR (Annual Percentage Rate) for purchases are 10.50% – 18.00%, 13.25% – 18.00%, and 13.50% – 18.00%, respectively. If you make a late payment, then the Penalty APR would be applied. There is no minimum interest charge. There is no annual fee and no transaction fees. So, don’t need to be worried about the balance transfer fee, cash advance fee, or another foreign transaction fee. The penalty fee for late payment is up to $35 per occurrence.

Instructions To Apply For The DCU Visa Platinum Secured Credit Card

If you have makes your mind, then you can apply for this card online, anytime. Here are the instructions to follow to submit an online application:

1. Get to the official DCU Visa Platinum Secured Credit Card webpage using any internet browser that you normally use.
2. Now, you will see the credit card image on the right-hand side of the page. On the left-hand side, just below the logo of the website, you will see a yellow “Apply Now” button. Click this button to start the process.

On the new page, select the credit card type from the drop-down menu. After that, select a purpose from the options “New Visa” and “Visa Increase”. Now, click “Continue” button. The application form will appear on your computer screen. You will have to fill this form in three different steps by providing the required information. After completing and submitting this online form, they will go through your application and decide whether or not you qualify for this card.

If you need help on matters related to the account opening applications, or if you need any other information, then dial their customer service number. To dial their helpline, you can use the numbers: 508.263.6700 or 800.328.8797.