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Frequently Asked Questions

VISAŽ Credit Cards

Your Extra Credit Union VISA card combines value with convenience.
  • Fixed rates as low as 10.99% APR*
  • No annual fee
  • Free, 24-hour VISA account information available online
  • Generous credit lines
  • 25-day grace period on purchases
  • Worldwide acceptance

Apply online now or call (586) 276-3000.

VISA Rewards Programs

  • Gold and Platinum level cards offer great travel and merchandise rewards for qualified members. Click here for more information!

VISA Account Access

VISA E-Statements

VISA E-Statements are now available! Receive your monthly statement electronically through VISA Account Access instead of the traditional paper statement sent through the mail.

To register, you simply need to log in to VISA Account Access via the Internet, have an e-mail address, and Adobe Acrobat Reader software installed on your computer. Just log in to your account and request E-Statements. You will continue to receive paper statements for up to 2 billing cycles before officially going paper-free!

Once activated, you will be notified by e-mail when your statement is ready for viewing. Please make sure you keep your e-mail address current. If you have any questions, contact us at (586) 276-3000 or toll-free at (877) 638-7628.

Shop Online with Verified by VISA

Youth VISA Credit Cards

  • Students can get an early start on building a healthy credit future. Apply for a Youth VISA Credit Card to finance school supplies, computer electronics, and more.
  • Ages 15 and 16 can borrow up to $300
  • Ages 17 and up can borrow up to $500, or up to $2,000 with a co-signer

Business Credit Card Processing

  • Process credit card transactions quickly and easily with electronic payment processing powered by Newtek. Learn more here.

VISA Gift Cards

  • The gift that always fits! It's welcome everywhere VISA debit cards are accepted.
  • Available in any even dollar amount from $20 to $500
  • $3.95 fee per Gift Card if purchased at an Extra Credit Union branch
  • $5.00 fee per Gift Card if purchased online

Click here to order a VISA Gift Card now.

Important information about VISA

To learn the details about your VISA card, read the Truth in Lending disclosure and the terms and conditions.

* APR represents Annual Percentage Rate. Some restrictions apply. Rates are subject to change. Actual rate is based on your credit qualifications.