Platinum Low Rate Visa Credit Card

If your WPCU debit card is lost or stolen, please call (800) 762-0047 immediately.

We recommend that you review your account statement carefully each month to detect any suspicious account activity. If you suspect fraudulent ATM/Debit Card activity on your account, call us immediately at (937) 912-7000 or (800) 762-0047.

No - as a member of Wright-Patt Credit Union, you are covered under Visa's Zero Liability Policy for fraudulent charges on your credit and debit cards. However, to help alleviate or minimize any inconvenience to you, please monitor your checking and credit card accounts closely, and report any suspicious activity to Wright-Patt Credit Union immediately by calling (937) 912-7000 or (800) 762-0047.

If your payment is more than 5 days late, a $20 Late Payment Fee will be assessed.

A balance transfer credit card lets you move debt from a higher-interest credit card to a card with a lower rate, so more of each payment goes toward the principal instead of interest. The Wright-Patt Credit Union Platinum Low Rate Visa® is built for exactly this, with variable rates as low as 9.75% APR, no balance transfer fees, and no annual fee. You can consolidate balances from other cards and start paying less in interest right away.

A balance transfer moves the amount you owe on one credit card over to another card, usually one with a lower interest rate. You apply for the new card, provide your existing card details and the amount you want to transfer, and the new card issuer pays off your old balance directly. From there, you make payments to the new card at the new rate.

Most balance transfers take between 7 and 21 days to complete, though the exact timing depends on your old card issuer's processing speed. Keep making at least the minimum payment on your old card during this window; your old account stays active until the transfer fully posts, and a missed payment could trigger fees or affect your credit. Once the transfer is complete, you'll see the balance on your new WPCU Platinum Low Rate Visa®.

A balance transfer fee is a one-time charge most card issuers add when you move a balance from another card, typically 3% to 5% of the amount transferred. On a $5,000 transfer, that's $150 to $250 added to your debt before you've paid down a single dollar. Wright-Patt Credit Union doesn't charge a balance transfer fee; what you transfer is what you owe.

We will not charge you interest on purchases if you pay the entire balance owed each month within 27 days of the statement closing date. Interest will be charged on cash advances and balance transfers beginning on the transaction date.

Yes, a business is eligible to have WPCU loan or deposit account, as long as they meet the eligibility requirements for membership. We offer accounts to both small businesses and large businesses, with perks like extraordinary and personalized service.

You can use your employer identification number (EIN) to apply for a WPCU business credit card. You will also have to provide your social security number.

A balance transfer can affect your credit score in a few short-term ways, but the long-term impact is usually positive if you pay down the debt. Applying for the new card triggers a hard inquiry, which may temporarily lower your score by a few points. Your credit utilization ratio could also shift depending on whether you close the old account or if the credit limit of the new account is equal to the balance transfer amount. Over time, paying off a high-interest balance faster on a low-rate card typically improves your overall credit health.

Credit card interest is the cost of borrowing money when you don't pay your statement balance in full. Most cards calculate interest daily using your APR (annual percentage rate) divided by 365, then apply it to your average daily balance. A card with a 21% APR is charging roughly 0.058% in interest every day on what you owe. A lower APR, like the 9.75% starting rate on the WPCU Platinum Low Rate Visa®, means significantly less interest accrues each day a balance is carried.

Interest on purchases doesn't start as long as you pay your full statement balance by the due date, that's called the grace period. At Wright-Patt Credit Union, you have 27 days from your statement closing date to pay in full and avoid any interest on purchases. Cash advances and balance transfers work differently: interest on those begins accruing the day the transaction posts, with no grace period.

The best credit card for carrying a balance is one with the lowest ongoing APR, no balance transfer fee, and no annual fee. The WPCU Platinum Low Rate Visa is designed for this exact situation: variable rates start at 9.75% APR , with no annual fee and no balance transfer fee, so you keep more of your money instead of paying it to interest.