Credit Cards

ATTENTION ALL HERITAGE VISA CREDIT CARD HOLDERS
PLEASE DO NOT GIVE OUT ANY CONFIDENTIAL INFORMATION WHEN ACCESSING YOUR VISA CREDIT CARD ACCOUNT THROUGH eZCardInfo.com. IF YOU ARE PROMPTED TO ENTER PERSONAL INFORMATION, IMMEDIATELY CLOSE THE BROWSER AND CALL 866-269-9880 TO REPORT THE ATTEMPT.

Please note that Heritage Credit Union does not ever solicit members for personal information.

Heritage VISA Card

Classic – 11.9% APR
Platinum – 8.9% APR

Compare your current credit cards:
The same Fixed Rate applies to Purchases, Balance Transfers, and Cash Advances.
Our grace period is 25 days compared to some cards that are as few as 21 days! And No Annual Fee.

***Notice to Cardholders re: Transactions Involving Foreign Currencies***
Change to Foreign Transaction Currency Exchange Rate:
Effective April 1, 2005, the exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date plus the 1% International Service Assessement transaction fee (ISA).
Online Account Management Available You can pay your credit card bill and manage your account conveniently online. With the click of a mouse, you can view important information about your credit card account. Visit www.eZcardInfo.com for account balances, available credit, current and past statements, and transactions since your last statement. You can even get spending reports to keep track of expenses.

If you already have a credit card, that’s okay. We welcome you to transfer the balance and begin to take advantage of our low, low rates now. Best of all, its the card that comes from the credit union you know and trust.

 Click here for an application.

Visa Credit Card Rates
Visa Credit Card Rates APR* On Purchases APR* Cash Advance APR* Balance Transfer Grace Period Annual Fee
Classic Visa 11.90% 11.90% 11.90% 25 Days None
Platinum Visa 8.90% 8.90% 8.90% 25 Days None
Fees for both cards
Minimum finance charge None None
Transaction Fee for Purchases None None
Transaction fee for cash advances $2.00 $2.00
Balance Transfer fee $2.00 $2.00
Late payment fee $19.00 $19.00
Over the credit limit fee $19.00 $19.00
Other fees and charges for both cards New / replacement card
Documentation fee
Card recovery fee
Returned check fee
$12.00
$12.00
$65.00
$25.00
Report a lost or stolen card
Call the Visa Customer Assistance Center toll free:  (800) 847-2911
To better assist customer service, have the following information handy:
  1. Visa Card issued by Heritage Credit Union
  2. Card type (i.e. Visa Classic or Visa Platinum)
  3. Visa Card issued in the United States

If you know your full sixteen (16)-digit credit card number, provided the following information for a quicker cancellation of your lost/stolen credit card:

  1. Full sixteen (16)-digit credit card number of the card that is missing
  2. Exact cardholders name printed on the card
  3. Billing Address-where the credit card bill is sent each month
  4. Home phone number
  5. Circumstances of the loss or theft
  6. Identification verification information-social security number, date of birth, or mother’s maiden name.

If your card is lost/stolen outside the United States, visit https://www.usa.visa.com/ for a toll free number to report the lost/stolen card.