Do I have a grace period before I am charged interest?
We do not charge interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Click here to review your terms and conditions.
Do I have a courtesy period on my Visa credit card before I am charged a late fee?
A late payment fee is charged if you are ten (10) or more days late in making a payment. To avoid any late fees, review your monthly Visa statement and pay the Minimum Due (Past Due, if any + Current Due) by the due date.
What are some benefits that I can expect if I choose a Delta Community Credit Union Visa Credit Card?
As a service to our cardholders, the credit union provides each cardholder with valuable benefits. Below are some key benefits.
For additional benefits specific to each of our Visa products, visit Platinum Rewards: Credit Union Credit Card - Delta Community Credit Union and Visa Signature Credit Card - Delta Community Credit Union.
If you have questions pertaining to these benefits, please contact Delta Community Credit Union at 1-800-544-3328 or 404-715-4725.
No Annual Fee:
No annual fee is assessed by the credit union.
Electronic Services:
There are several electronic services available as a Visa cardholder.
- You can make your monthly Visa payments through Online or Mobile Banking
- You can have Cash Advances deposited directly to your checking account
- You can review your monthly statements online and view up to 60 months of history. Enrollment in Online Banking is required.
- Use our Card Management tools to set travel alerts and spending limits, cancel a card, and more.
- Use the Self-Service number toll-free at 855-477-1144 to set and/or change your Card PIN.
- Visit DeltaCommunityCU.com/CardManagment for more information.
Emergency Services:
With the Emergency Disbursement service, you have peace of mind knowing that your Visa card can be replaced quickly, easily and conveniently. In the U.S., a card can be replaced and delivered in as little as 24 hours. Outside of the U.S., it is often replaced as quickly as one business day. Additionally, Emergency Disbursement is available on Delta Community Visa Credit Cards. You can receive up to $5,000 in emergency cash, usually within 24 hours. Once your cash request has been approved and processed, you can pick up the cash at a convenient Emergency Service Location. The Credit Union’s credit cards are also protected against loss or theft. One call to Visa will block your account to prevent fraudulent charges and arrange for a replacement card to be delivered to you. To speak with a customer service agent, 24 hours a day, 7 days a week please call Delta Community Credit Union at 1-800-544-3328 or Visa at 1-800-VISA-911. Overseas travelers can call collect by dialing 410-581-9994.
Visa Secure:
Online shopping secured with Visa
Protecting you is our top priority. One way we do this is by preventing the unauthorized use of your card. During a purchase from desktop, mobile or other digital device, you may be guided through an extra check to verify your identity. This helps us ensure you’re you and better protects you from fraud.
As a Visa cardholder, your transactions are secured with Visa. Visa recently enhanced its security for online purchases making the experience more seamless and easier while protecting you from fraud.
Learn more
Zero Liability:
Visa's Zero Liability policy means 100% protection for the Credit Union's Visa cardholders against fraudulent purchases that take place on the Visa system. Delta Community's Visa credit and/or debit cards offer complete liability protection. Should someone steal your card number while you're shopping, online or off, you pay nothing for fraudulent activity. If you notice fraudulent activity on your card, promptly contact us at 1-800-544-3328 to report it. This policy does not cover ATM withdrawals.
Minimal International Service Assessment (ISA) Fees:
Visa, like other credit card companies, adds an ISA fee to cover currency conversion costs on all transactions completed at merchants that are based outside the United States, Puerto Rico or the U.S. Virgin Islands. The minimum Visa ISA fee is 1% of the transaction, and the credit union does not increase the ISA handling fee. Many other credit card issuers may increase the international transaction fee as much as 3%.
Card Management:
This self-service tool allows you to set card alerts, lock and unlock cards, notify Delta Community of upcoming travel, cancel a lost or stolen card, and more. You can now conveniently manage your cards in our Mobile App or Online Banking.
