Dort Federal Credit Union

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Dort Federal offers a VISA Platinum card to qualifying members. Here are the card's vital statistics.

Annual Fee: None
Balance Transfer Fee: None (No grace period on balance transfers - 25 day grace period on purchases)
Cash Advance Fee: None (No grace period on cash advances - 25 day grace period on purchases)
Schedule of Fees and Charges
Enjoy peace of mind and purchasing power with credit limits up to $35,000 for qualified members
Enjoy the privilege of Platinum Preferred Service
ScoreCard Bonus Points or Cash Back
Do business with friendly Dort Federal staff who know them
Enjoy the convenience of automatic pament options which make repayment simple
Save with competitive rates and no annual fee
Save even more with no transfer balance fees
Shop online with extra security with Verified by Visa
Cash advances available at any Visa logo ATM machine, by phone with Dort by Phone, online at www.dortonline.org, or at any Dort Federal office!
Accepted worldwide (Dort Federal charges a 1% mark up - Click here for the latest exchange rates)
Available VISA Gift Cards
VISA Credit Card Terms and Conditions

Notes to Current VISA Cardholders
Call (800) 543-5073 if you need to report a lost or stolen VISA or Dort One Card.

If there is a transaction on your card that you would like to dispute, you can complete this form or login to Dort Online banking and complete the VISA dispute form within the Secure Forms section there.

ScoreCard Bonus
When you use your Dort Federal VISA card you are also earning points on the new ScoreCard Bonus Point Program. Points are redeemable for a variety of gift and travel awards - you choose the award that best suits you. Go to ScoreCardRewards.com to see how many points you have accumulated and to see the great selection of gifts.

ScoreCard FAQ's

CashBack Program
If you would rather have cash back, you can opt out of the ScoreCard Bonus Program and opt in to the CashBack Program. The CashBack Program earns 1% of your annual net purchases - no matter what the amount.

Call or e-mail us for more details or to switch from ScoreCard to CashBack. If you email us, please do not include sensitive information (Account Numbers, Social Security numbers, etc.) in the email.

VISA Gift Cards
Dort Federal now offers flexible and convenient VISA Gift Cards that you can purchase online or in any of our offices. The gift card can be used anywhere VISA is accepted and you can choose a dollar amount between $25 and $500. There is a $5.95 shipping and handling fee if you purchase a card online and a $5.00 fee if you purchase a card at one of our offices.

If you have received a gift card and want to check the balance on it, please go to www.libertygiftcard.com or call 1-866-244-5360.

USA Patriot Act requirements for loan applications.

VISA® CREDIT CARD TERMS AND CONDITIONS AND TRUTH IN LENDING DISCLOSURE STATEMENT (“AGREEMENT”)

Visa Platinum
Interest Rates and Interest Charges
Annual percentage Rate (APR) for Purchases	9.5%-18.0% based on your creditworthiness
APR for Transfers	9.5%-18.0% based on your creditworthiness
APR for Cash Advances	9.5%-18.0% based on your creditworthiness
How to Avoid Paying Interest on Purchases	Your due date is 26 days after the close of the billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month
Minimum Interest Charge	None
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
Fees
Annual Fee	None
Transaction Fees Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee	None None Up to 1% of the transaction amount
Penalty Fees Late Payment Over the Limit Fee Returned Payment	Up to $25.00 None Up to $20.00
How We Will Calculate Your Balance: The Finance Charges shown on your Monthly Billing Statement are figured by multiplying a Daily Periodic Rate times the Daily Principal Balance of both Credit Purchases and Cash Advances. An explanation of this method is described in our Visa Credit Card Terms and Conditions -- section 5.