Take the Next Steps in Your Credit Building Journey!

A First Time User Credit Card or Share Secured Credit Card is a great way to build good credit through responsible credit card use. With these card options, you get:

• A predictable fixed rate 
• Potential credit limit increase after a full year of on-time payments 
• Manage your account in online banking or the WPCU mobile app. You can track your spending, check your credits score, make payments and view statements. 
• Zero Liability Program protects you from the unauthorized use of your card and account information.
• Access to the Visa Dispute line at (800) 899-4042

Interested in these credit card options? Schedule an appointment at a WPCU Member Center near you. 

When you’re ready to continue using credit responsibly, WPCU is here to help you find the best card for you. Choose from our Platinum Low Rate Visa^® or Platinum Rewards Credit Cards, offering an increased credit line to give you more financial flexibility. Which WPCU card is best for you?

Platinum Low Rate Credit Card 
Carry a balance on your card? Borrow Smarter with a great low rate. 

• Low interest rate 
• No annual fees
• No balance transfer fees
• No cash advance fees

Platinum Rewards Credit Card 
Pay off your card monthly? Choose the card with cash-back rewards! 

• 1.5% cash back on all qualifying purchases you make
• Great rates 
• No annual fees

Plus, with either card, you’ll continue to receive the benefits of ALL of WPCU’s credit card options: 

• No annual fees
• Zero Liability Program protects you from the unauthorized use of your card and account information.
• Access to the Visa Dispute line at (800) 899-4042

When it comes to borrowing, there are three primary areas where we should focus our efforts:

• Getting Started with Credit and Managing Debt: 
  • Create a budget before you borrow to determine how much you can realistically repay.
  • Practice borrowing by saving what your monthly payment would be to ensure you can afford the payment. 
  • Start with a smaller personal loan or first-time user/share secured credit card to help establish a healthy credit picture.
  • Keep an eye on your credit activity by visiting AnnualCreditReport.com.
  • Enroll in My Credit Score within Mobile and Online Banking
  • Learn more about Credit by taking some short, online modules from the Consumer Financial Protection Bureau (CFPB).
    • Credit History and Scores
    • Getting and Reviewing Credit Reports and Scores
    • Disputing Errors and Submitting Complaints
    • Common Issues and Making Referrals
• Managing Debt Wisely:
  • Do your research to get the best loan rate and terms.
  • Learn how your debt load impacts your credit score.
  • Use a rate calculator to get a picture of your monthly loan cost.
  • Consistently pay down your debt. Start with the lowest balance loan or the highest rate.

• Getting Ahead of Debt: 
  • Complete a debt inventory with who you owe, how much and the monthly payment and interest rate for each loan.
  • Borrow only what you need to meet your goals.
  • Reduce the balance on your credit cards to no more than 30% of your total available credit.
  • Consider consolidating or refinancing your debts to decrease your monthly payments.
• Start Borrowing Smarter with these helpful tools:
  • Debt Management
  • Understanding Your Credit Score
  • Steps to Gaining Control of Your Debt
  • What’s a Good Credit Score?
  • Interactive Video Modules:
    • Credit Scores and Reports
    • Debt Management
    • Credit Cards
    • How Businesses Use Credit