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A Columbus Metro Visa card is the obvious choice.

Columbus Metro's Visa^® cards offer the convenience, reliability and security you've come to expect from Visa -- the card used more than any other around the world and across the web. What's more, every Columbus Metro Visa comes with a low, fixed rate, no annual fee and rewards with every purchase.

Read the fine print

With all the credit cards out there, you may be wondering why you should choose a Columbus Metro Visa. The truth is, credit cards that look very similar at first can vary widely -- you have to read the fine print. Major card issuers have gradually changed the rules over the years, and most of those changes are not in your favor. Columbus Metro's Visa cards will almost always come out ahead if you know what to look for.

Columbus Metro Visa Cards

 

Card Type	Annual Fee	APR*	Rewards	Choose this card for ...
Visa Classic Learn more | Apply | Disclosures	$0	13.9% fixed	ScoreCard CashBack	A low, fixed rate and up to 1% CashBack on purchases
Visa Gold Learn more | Apply | Disclosures	$0	12.9% fixed	ScoreCard CashBack	A low, fixed rate, the Visa Gold Benefits package and up to 1% CashBack
Visa Platinum Learn more | Apply | Disclosures	$0	9.9% fixed	ScoreCard Bonus Points	Our lowest rate and ScoreCard Bonus Points
* Annual Percentage Rate

Every Columbus Metro Visa credit card also offers:

• 24-hour online account access
• A variety of convenient payment options
• Fraud protection with Visa's Zero Liability policy and Verified by Visa
• Money-saving balance transfers
• Handy convenience checks

Anytime access with EZCardInfo.com

Keeping tabs on your Columbus Metro Visa card is easy, thanks to the EZCardInfo web site. This secure site allows you to check your balance, review recent purchases, get payment information and download transaction history to Microsoft Money or Quicken. You can also initiate payments to your Visa from a checking or savings account at another financial institution.

To get started, go to www.EZCardInfo.com. Have your card handy, because you'll need your account number and your CVV2 code, found on the back of your card near the signature panel.

Convenient payment options

It's easy to make your Columbus Metro Visa payment, whether you mail a check with the stub from your monthly statement or use MetroWeb to transfer the funds from your savings or checking account. If you want to pay with funds on deposit at another financial institution, you can use the EZCardInfo site to do so.

We also offer a convenient AutoPay option that ensures that you'll always make your payment on time. With AutoPay, your Visa payment is automatically deducted from your savings or checking account each month. You can choose from three convenient options:

• Minimum payment due
• Balance in full
• Fixed amount higher than the minimum payment due

With AutoPay, you'll continue to receive your monthly Visa statement, which will indicate the amount to be paid and the payment date. Of course, you can make additional payments at any time by phone, by mail or in person. To sign up for AutoPay, complete the online form (PDF), which can be printed and faxed or mailed to us for processing.

Safe and secure

You'll feel safe and secure when you use your Columbus Metro Visa, thanks to Visa's Zero Liability policy. No matter how or where you shop, you're protected -- your liability is $0 as long as you promptly report any unauthorized transactions on your card. For more information on Zero Liability, visit www.visa.com.

If you regularly shop online, you may also want to sign up for Verified by Visa. Verified by Visa provides an additional layer of protection by adding a password to your Visa account. When you shop online at participating merchants, you'll be asked for your password along with your card number and expiration date. It's easy to sign up -- simply click here to register on Visa's secure site, or activate the service the next time you shop with a participating merchant.

Money-saving balance transfers

If you're carrying balances on high-interest credit cards, department store charges or other accounts, you can save money by transferring balances to your low-rate Columbus Metro Visa. Unlike other credit card issuers, we don't reduce your savings by charging hefty balance transfer fees -- our fee is just 1% of of the amount transferred, with a maximum of $10. Just fill out our simple balance transfer form (PDF) and fax or mail it to us for processing.

Another way to pay

While credit cards are almost universally accepted, sometimes you want or need to write a check. Our handy convenience checks give you another way to access your Visa credit line. You'll receive one convenience check along with your statement each month, and you can request additional checks at any time -- just e-mail us or call our Card Services department at 614.239.0210 or 800.986.3876.

Take a closer look

Have you been carrying the same credit card for years? You may not realize it, but the card you applied for may not be the same card you're carrying today. Major card issuers have gradually changed the rules, and most of these changes are not in your favor.

If you haven't read the fine print for your card lately, it's time to get out your magnifying glass. Watch out for:

• Universal default penalties. Many card issuers monitor their customers' credit reports for late payments on bills. Any late payment can be used as an excuse to increase the interest rate on your card -- even if you've always paid that card on time. Columbus Metro will never increase your rate because you made a late payment to another creditor.

• Shrinking grace periods. Grace periods -- the time for which your purchases are interest-free -- used to be 30 days. Many grace periods are now just 20 days, and some cards have no grace period at all. Columbus Metro's Visa cards still offer a 25-day grace period for purchases.

• Two-cycle billing. Some card issuers now calculate interest charges based on your balance over the past two months. That means you'll have to pay in full for two consecutive months to avoid interest charges. Columbus Metro still uses the one-month method to calculate interest charges, so you'll only pay interest if you had a balance on your card the previous month.

• Balance transfer fees. Balance transfers are more expensive than ever -- fees of 3% to 5% are not uncommon. Transferring just $1,000 with a 4% balance transfer fee will cost you $40. Columbus Metro charges just 1% for balance transfers, with a maximum fee of $10.

If you examine your current card and don't like what you find, then it's time to make the switch to a Columbus Metro Visa card. Click here to apply today!

© 2001 Columbus Metro Federal Credit Union