Visa Credit Cards

The Ultimate in Buying Power, Convenience and Security

More Safety. More Convenience. More Cash Back.

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Visa Credit Cards

Secured 3.25% APR*

  • 1% Unlimited Cash Back on All Purchases
  • NO Annual Fee
  • Instant, Ready to Use EMV Chip Security Card
  • Secured by Savings Account

Gold Plus 9.45% APR*

  • 2% Cash Back for the First 2 Balance Transfers
  • 1% Unlimited Cash Back on All Purchases
  • NO Annual Fee
  • NO Balance Transfer Fee or Cash Advance Fee
  • Instant, Ready to Use EMV Chip Security Card
  • CardValet® Mobile App

Classic Plus 12.49% APR*

  • 2% Cash Back for the First 2 Balance Transfers
  • 1% Unlimited Cash Back on All Purchases
  • NO Annual Fee
  • NO Balance Transfer Fee or Cash Advance Fee
  • Instant, Ready to Use EMV Chip Security Card
  • CardValet® Mobile App

*APR=Annual Percentage Rate. Membership eligibility required.

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Visa Disclosure

ANNUAL PERCENTAGE
RATES (APR) FOR
PURCHASES

OTHER APR’SPAYMENT
FOR
PURCHASES
METHOD OF COMPUTING THE
BALANCE FOR PURCHASES
ANNUAL
FEES
MINIMUM
FINANCE
CHARGE
FEES

SECURED VISA

3.25%


 

VISA GOLD PLUS

9.45%


VISA CLASSIC PLUS

12.49%

NONE 25TH DAY OF
EACH MONTH*
AVERAGE DAILY BALANCE
(INCLUDING NEW PURCHASES)
NONE NONE

Transaction Fee for Cash Advances

-NONE-


Balance Transfer Fee

-NONE-


Late Payment Fee

**5%


Over the Credit Limit Fee

-NONE-

Information above was accurate as of December 1, 2017. Rates and Terms are subject to change. Current rates and terms can be obtained from:

30 Hickory Avenue, Bel Air, MD 21014.

*How to Avoid Paying Interest on Purchases – Your due date is the 25th of every month. No finance charge will be imposed on credit purchases if the entire new balance is paid in full by the due date.

**Late Payment Fee – 5% of the payment amount for every payment 10 days (or more) delinquent. A $2.00 minimum late charge for each delinquent payment.

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

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Traveling in or out of the country?

Before you leave:

Notify HAR-CO of your travel dates to prevent any unnecessary blocks on your VISA® Debit or VISA® Credit Cards.

 

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