Credit Cards
At San Francisco Federal Credit Union, 十大彩票游戏平台相信为十大彩票游戏平台的会员提供最好的金融产品和服务，以养成明智的购买习惯. That’s why we offer an array of credit card options, 每个都有一套独特的好处，以最好地满足您的个人需求. The thing they all have in common? Unbeatable rates – as low as 8.45 % APR.*
Visa Platinum Rewards**
- Earn 1% cash back for everyday purchases
- Rates as low as 8.45% APR
- No Annual Fee
- No Balance Transfer Fee
- No Foreign Transaction Fees
- No Interest Charged for 25 days
- Low monthly payments of only 1% of account balance
Visa Classic Secured
- To help members establish or reestablish credit
- 15.24% APR (based on Prime)
- No Annual Fee
- No Interest Charged for 25 days
- ApplePay, Android Pay, Samsung Pay
Visa Student Platinum Rewards**
- Earn 1% cash back for everyday purchases
- 12.99% APR (based on Prime)
- No Annual Fee
- No Balance Transfer Fee
- No Foreign Transaction Fees
- No Interest Charged for 25 days
Rates
Credit Card Products
| Product | As Low As APR¹ % |
|---|---|
| VISA® Platinum | 8.45% to 17.99% |
| Signature Line of Credit | 12.25% to 17.99% |
| Student Visa | 12.99% to 17.99% |
1Annual Percentage Rates. For all loans, 实际年利率是在作出信贷决定时确定的，可能高于最低可用利率. 信用记录、贷款期限和借款金额都是决定利率的因素. Not all borrowers will qualify for the lowest rate. 从来没有任何提前偿还贷款的罚款. All loans are subject to credit approval. As of the date of this disclosure, the Prime Rate is 8.50% APR as of 09/01/2023.
More Financial Tools for You
Personal Loans
Borrow as little as $500 and use the cash for any purpose. 选择你的贷款期限，并获得一个有竞争力的APR为负担得起的每月付款.
Personal Line of Credit
获得高达50,000美元的信用额度，用于支付正在进行的项目和费用. Only pay interest on the funds you use!
Debt Consolidation Loans
通过还清其他债务来简化你的生活，这样你就只有一个月的付款了. Get a great, fixed rate for up to 84 months.
Peace Of Mind For Your Plastic
Your card is equipped with protective features to keep your financial life running smoothly. 您将享受Visa®提供的所有保护，包括旅行保护和紧急援助. Additionally, we offer loan protection 以及为意外生活事件或开支提供经济困难援助.
Fraud Prevention Tips to protect your credit cards
- Avoid using the same password for multiple credit cards/accounts
- Don’t wait to report lost or stolen credit cards
- Keep credit card receipts to compare purchases via online banking
- 撕碎包含敏感信用卡信息的文件，如信用卡对账单
- When shopping online, avoid clicking on suspicious links/websites
- Protect your pin and never store them with your credit cards
- Review your credit report regularly to find irregularities
Resources for cardholders
当你刷信用卡时，要做出正确的财务选择，你需要掌握必要的工具和资源. At San Francisco Federal Credit Union, 十大彩票游戏平台提供财务提示和指导，以确保您能够以最好的方式充分利用您的信用卡.
Contact Us for more information or call 415.775.5377
*APR=Annual Percentage Rate. APRs accurate as of September 1, 2023. Variable rate loan, max. APR 17.99%. No annual fees. Regular variable APRs 8.45% to 17.99%, subject to change.
**旧金山联邦信用社VISA®白金奖励条款和条件:使用您的旧金山联邦信用社VISA®白金奖励信用卡购物可获得奖励(也称为“回扣”). 在世界各地接受Visa®支付的地点购物，可获得百分之一的奖励, up to $500 per year. 所有获得的奖励将反映在您的季度账单中，并将在每年的5月31日通过将奖励作为存款应用到您的定期股票账户中自动兑换. Your rewards will not expire. Purchases returned for credit do not earn a reward, 如果购买的商品被退回或信用调整被发出，你的余额将被调整. 为了赚取和兑换奖励，您的帐户必须保持开放状态，并且在任何卡协议下不得违约. 奖励不能从现金预支、余额转账、费用、贷款余额或财务费用中获得. All rewards that have been accumulated, but have not yet been paid, 将于您的旧金山联邦信用联社Visa®白金帐户终止时到期, whether terminated by you or us. 对于联名账户持有人和/或账户持有人与授权用户之间的与奖励相关的纠纷，十大彩票游戏平台概不负责. Excludes Visa® Classic card. Must be at least 18 years old to apply.
No interest charge for 25 days on purchases only. 现金预支和余额转账的利息从交易日期开始计算.
从开户之日起的前60天内，任何余额转账都不收取任何费用. 任何在60天之后转到您账户的余额将被收取转帐金额的1%. Excludes Visa® Secured.
只适用于Visa®白金奖励卡的海外交易手续费最高可达1%(每笔交易以美元计算). The monthly minimum payment is 1% of the total balance due or $15.00, whichever is greater.
FAQs
The reward amount goes back to the member’s S1 (savings) account
You will receive credit card rewards once a year, in June.
如果您的帐户被关闭或违约，您将丧失任何累积的奖励.