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Becu Credit Card Agreement

SPECIAL NOTE: If you pay your credit card credit every month, you do not pay interest on your purchases. This is called the courtesy period. Please note that upon the expiration of your 12 months, you pay introductory purchase interest of 0% on all purchases (including recurring automatic payments), unless you pay for all of your credits (including transferred balances and purchase credits). If your application has been accepted and all the necessary documents are available, your credit card will arrive by mail within 5-7 business days. Within 7 to 10 business days, you will receive a PIN code in a separate mailing. Transfer high-yield debt to your BECU Visa® card with just a few clicks in online banking. **0% Annual Effective Rate of Introduction (APR) for purchases made during twelve (12) months from the date of account opening and 0% effective annual interest for credit transfers for twelve (12) months if they were concluded within ninety (90) days of account opening. Thereafter, your annual effective rate is between 7.99% and 19.99%, based on your creditworthiness and product selection. This annual rate of annual effective rate varies with the market based on the first rate.

You will find the terms and conditions, fees and charges as well as other information about your credit card account in the Credit and Security Agreement. 0% APR Intro on credit purchases and transfers for the first 12 months, after which your rate is variable and currently ranges from 7.99% to 18.99%, based on your creditworthiness. Current becu member? Just sign up for online banking and choose credit cards and apply for credits from the tab options. If you are looking for a business credit card, visit our business credit card page for more information. The BECU Visa credit card has one of the lowest prices you will find everywhere. We regularly assess the creditworthiness of each member who has a credit card, personal line of credit, private credit, car credit, boat credit or motorhome loan with BECU. If you have sufficiently improved your creditworthiness and your account is in good condition, you can earn a better rate (if you do not already receive our lowest rate). Members may be entitled to an even lower rate by making timely payments and maintaining sound solvency. Learn more about our Loan Reprice program.*** There are two ways to automatically pay for your visas® credit card from a BECU account each month: authorization subject to BECU membership, credit authorization, and other subscription criteria; Not all candidates qualify. BECU Visa is a superb card that includes protection, troubleshooting and lost luggage. Our credit cards stand out from the crowd with benefits such as competitive prices, less fees and great rewards. See what each card offers.

To apply, call us at 800-233-2328 and ask if you would like to add LPP to your loan. See the Payment Protection Agreement for credit card loans. Credit card programs, services, rates and terms are subject to change without notice. Contact BECU for the most up-to-date information….

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