OHecu | VISA® Platinum Card

CASH

Redeem your points
for CASH!

Online Loan Application
An easy way to apply for an OHecu loan.

Dealer Financing
Get your OHecu auto financing at these participating dealers.

VISA® Platinum Card

Low Rates
No Annual Fee
Design Your Own Card (Optional)
VISA® Credit Card Transaction Alerts (Optional)
25-Day Grace Period on Purchases

Before applying, please review the Truth in Lending information shown below or the complete OHecu Visa Disclosure Statement

To apply, contact any OHecu office or apply online with the link below.

VISA® Platinum Card

Verified by VISA®

Shop securely with Verified by VISA®—it protects your card when you shop online.

When you shop at participating stores, you'll see new screens. Enter your information to activate your card and make your purchase.

Take a moment and register for Verified by VISA to have free password protection whenever you shop online.

For participating stores visit Verified by VISA Places to Shop.

Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

OHecu Cash Plus Rewards VISA® Platinum Credit Card Program

With the OHecu Cash Plus Rewards VISA® Platinum Credit Card Program, you can enjoy…

1% Cash Back on purchases through CURewards®
Merchandise Awards benefits through CURewards—including cameras, TVs, video recorders, computers and more
Travel Awards through CURewards—including airline tickets, cruises, hotel stays, car rentals and more
Receive 1,000 CURewards® Points after the first purchase with your OHecu Cash Plus Rewards Visa Platinum Credit Card
(Limited Time Offer—subject to change without notice. Credit restrictions apply.)
Design Your Own Card allows members to personalize the look of their card, either from available graphics or by submitting a picture through the OHecu website when ordering their card. (Optional)
Visa® Credit Card Transaction Alerts allows cardholders to receive emails or text messages for transactions on their card account. (Optional)
Online Access to your OHecu Visa® Account through e22ndstreet Home Banking
24/7 Member Service Center Always available support No Annual Fee

Reward yourself, you've earned it!

To see available rewards, visit CURewards.

For CURewards® Program information, contact our 24-hour Card Holder Service Center at 1-800-790-7728

Cash Plus Rewards
VISA® Platinum Card

TRUTH-IN-LENDING DISCLOSURE

Interest Rates and Interest Charges
VISA Platinum	Rewards	Non-Rewards
Annual Percentage Rate (APR) for Purchases	9.75% to 20.75% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on Prime Rate.	8.75% to 19.75% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on Prime Rate.
APR for Balance Transfer	11.75% to 22.75% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on Prime Rate.	10.75% to 21.75% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on Prime Rate.
APR for Cash Advance	11.75% to 22.75% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on Prime Rate.	10.75% to 21.75% when you open your account, based on your credit worthiness. After that, your APR will vary with the market based on Prime Rate.
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	If you are charged interest, the charge will be no less than $0.50
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee	None
Transaction Fees
— Balance Transfer	Either $10 or 3% of the amount of each transfer, whichever is greater
— Cash Advance	Either $10 or 3% of the amount of each cash advance, whichever is greater
— Foreign Transaction	1% of each transaction in U.S. Dollars
Penalty Fees
— Late Payment	5% of outstanding balance / $5 minimum / $30 maximum
— Return Payment	Up to a maximum of $20

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

OHecu will not discriminate on a prohibited basis on approval of loan applications

NOTE: The information about the costs of the card described in this solicitation is accurate as of January 15, 2013. This information may have changed after that date. To find out what may have changed, contact us at 216-621-6296 or 800-552-6328 or write to us at 2554 E. 22nd St, Cleveland, OH 44115.

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