VISA Credit Cards

First Commonwealth offers three great cards with exceptional values and no hidden fees.

Cardholder advantages on all cards include: 

• No balance transfer or cash advance fees
• 25-Day payment grace period on purchases
• No penalty APRs
• No annual fee
• Free additional cards and account checks
• Local service from a financial partner you can trust

VISA Platinum - with VISA Extras
A low, fixed-rate card that provides you with exclusive benefits and allows you to earn points for your purchases. Go to www.visaextras.com to enroll your VISA Platinum in the program or to review rewards available. You may also enroll by calling 1.800.960.8472. 

VISA Gold
A great fixed-rate card with added VISA benefits at no cost.

VISA Classic
Ideal for college students or individuals seeking to establish credit. Offers an attractive variable rate and is perfect for people who want to reduce the costs of their high, variable-rate cards. 

Credit Cards11.01.09
Type	APR (as low as)
VISA Platinum	8.90%
VISA Gold	10.90%
VISA Classic (variable rate credit line)	12.00%

VISA Cardholder Agreement    Summary of Terms    Protect Your Loan    Apply Now

All applicants applying for a VISA will be reviewed for credit worthiness. If approved, the type of card (platinum, gold or classic) and the credit line granted are subject to the credit union's underwriting guidelines.

Stolen or Lost VISA Cards

To report a lost or stolen VISA Platinum, Gold, Classic Card:
Within the United States, call toll free – 1.800.991.4965
Internationally, call collect – 727.570.4881
 
To report a lost or stolen ATM or VISA Debit CheckCard:
Within the United States, call toll free – 1.800.472.3272
Internationally, call collect – 973.682.2652 

For your protection, credit authorizations are reviewed in "real time" at the point of purchase and compared to your usual spending patterns, as well as known fraud trends, to detect unusual activity. The authorization is submitted for fraud analysis if it seems out of the ordinary. Please be advised that in some instances, while you are at the merchant, valid purchases may be declined if the transactions appear extremely suspicious. You can easily validate the transaction if you did initiate it by calling our Card Services Department and we'll get you back shopping.

When we decline a transaction or suspect fraud, we will attempt to contact you via an automated voice system. If we cannot reach you to determine if there are any fraudulent transactions, your card may be blocked from further activity until we can discuss the situation with you. Please help us protect you better by informing us if you are going to be traveling to a different state or out of the county. Also, let us know if you have a phone number change -- home or daytime.

For any questions about this program or if you have a legitimate transaction declined, please contact our Card Services Department locally at 610.821.2400 ext. 6772 or toll-free at 1.888.821.2400 ext. 6772 

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