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Visa® Platinum Credit Card

Presenting The Color of Prestige: Platinum

Rates Starting at 9.25% APR*

With rates as low as 9.25% APR*, no annual fee, no cash advance fee, and a true 25-day grace period on purchases, First City's Visa Platinum is a superior card. This credit card combines the worldwide prestige and convenience of Platinum, with First City's great rates and high quality personalized service.

Plus, you can enjoy a long list of Platinum extra benefits to protect your identity, protect your purchases, and provide peace of mind when you travel. Here's what you get with First City's Visa Platinum:

  • Travel Insurance, up to $500,000
  • Auto Rental and Collision Damage Repair
  • Travel and Emergency Assistance Services
  • Warranty Manager Service
  • Personal ID Theft, up to $15,000

Carry the color of prestige - apply for your First City Visa Platinum Credit Card today. To apply 24 hours a day, call (800) 944-2200, ext. 5, or click on the Instant Loan Application link at www.firstcitycu.org.

Visa Application

Share Secured Visa Platinum - 7.25% APR!

First City's Share Secured Visa Platinum is secured by the balance in your Regular Savings (Share), or Money Market Account. You'll earn dividends on your savings, and at the same time, automatically qualify for a super-low 7.25% APR on your Platinum Card! It's a great way to establish, or re-establish, credit. Or some may prefer this card simply to qualify for the lower rate. Either way, it's a great card for many members. Credit limit is $7,500, and you'll enjoy all of the other Platinum Perks and great personalized service that come with First City credit card. For more information, call (800) 944-2200, ext. 5.

Certificate balances cannot be used to secure a credit card.

Important Credit Card Disclosure. The following disclosure represents important details concerning First City's Credit Card programs. The information about costs of the Card are accurate as of January 16, 2013. You can call Us at (800) 944-2200 or write us at P. O. Box 86008, Los Angeles, CA 90086-0008 to determine if any changes have occurred since the effective date.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
VISA Platinum                             
9.25% to 18.0%
 
APR is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Share-Secured Visa Platinum 7.25%
 
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
9.25% to 18.0%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
9.25% to 18.0%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
Penalty APR
None
How to avoid paying interest on Purchases
Your 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
There is no minimum interest charge. 
For Credit Card Tips from the Consumer Financial
Protection Bureau
To learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

Fees
Set-up and Maintenance Fees
 
·         Annual Fee
·         Account Set-up Fee
·         Participation Fee
·         Additional Card Fee
 
 
 
 
NONE
NONE
NONE
NONE
Transaction Fees
 
·         Balance Transfer
·         Cash Advance
·         Foreign Transaction
 
 
NONE
NONE
1% of each transaction in U.S. Dollars
Penalty Fees
 
·         Late Payment
·         Over-the-Credit-Limit
·         Returned Checks


$10.00
NONE
$25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

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