Visa® Platinum Secured Credit Card
responsibly.
Improve your financial wellness.
Ready to build your credit with confidence? Apply for a Visa Platinum® Secured Credit Card that’s easier to qualify for and backed by a refundable deposit.
One Card. Clear Benefits.
Visa® Platinum Secured Card
- A lower rate
Get More From Your Secured Card
Introductory APR
0% APR for 12 months on purchases and transfers within 90 days of opening.1
Flexible Access
Transfer balances for a 3% fee2 and access cash advances3 for $5 or 3%, whichever is greater.
Built-In Protection
Includes Lost Luggage Reimbursement, Purchase Security, Roadside Dispatch, and Travel & Emergency Assistance Services.
FAQs
Both members and prospective members can apply online. You can also apply by chatting with us or making an appointment for more personal assistance with the application process.
There are two easy ways for you to activate your credit card. You can call 800.631.3197 to activate your card, or you can:
- Login to Digital Banking.
- Click on “Card Management” and then “Manage Your Cards”.
- Select the credit card in your profile that needs activating and simply click the “Activate” button to activate.
You can make your credit card payment(s) through Digital Banking as follows:
From a First Entertainment Checking or Savings account:
- Log in to Digital Banking.
- On your Dashboard, select the “Pay” icon on the credit card you wish to make a payment to.
- On the Transfers page, select the First Entertainment Checking or Savings account you wish to pay from.
- Enter the amount you wish to pay and when, and you can pay your current balance, statement balance, minimum due or other amount.
From a non-First Entertainment Checking or Savings account:
- Log in to Digital Banking.
- On your Dashboard, select “Card Management”.
- Then select “View Credit Card”.
- Select the “Make Payment” option.
- You can then “Choose a Payment Account” (external or internal) or
- Select the “Edit” button to change or add a new account to pay from.
- Enter the amount you wish to pay and when, and you can pay your current balance, statement balance, minimum due or other amount.
- You can also enroll in “Automatic Payments” by selecting the “ENROLL” option next to “Automatic Payments” on this page.
The easiest way to perform a balance transfer is via Digital Banking:
- Visit Digital Banking at https://experience.firstent.org.
- Go to “Card Management”.
- Select “Manage Your Cards” and select the card to balance transfer to.
- Click on “Manage Card“.
- Once on the Card Manager page, select the balance transfer.
- Enter your balance transfer request with the following information:
- Card Issuer Name
- Account Number (as it appears on your bill)
- Account Payment Mailing Address (the address of the card you wish to transfer from)
- Transfer Amount
- Read the Disclosure and check the “I Agree” box.
- Click “Submit”.
You may also call us at 888.800.3328 or make an appointment at a branch for more personal assistance with a balance transfer request.
Our current rates can be found on our public website here: https://www.firstent.org/files/disclosure_visa_schumer_box.pdf.
Your credit card payment is due no later than the 4th day of each month. We will not charge you interest on purchases if you pay your entire statement balance in full by the due date each month.
Not finding what you’re looking for? See all FAQs.
Not finding what you’re looking for? See all FAQs.
Disclosures
- 1
-
APR = Annual Percentage Rate. 0.00% Introductory APR for twelve (12) months from date of account opening when purchases are completed within ninety (90) days of account opening. 0.00% Introductory APR for (twelve) 12 months from date of balance transfer when balance transfers are completed within ninety (90) days of account opening. After the introductory rate period ends, your APR for purchases and balance transfers will be 12.74% – 20.40% for Visa Platinum, based on your creditworthiness. This APR will vary with the market based on the Prime Rate, as published in the Wall Street Journal. A 3% Balance Transfer fee will apply to each Balance Transfer transaction. Additional fees and charges may apply. All loans subject to credit approval. For complete details, please refer to the Visa® Interest and Fee Information disclosure.
- 2
-
I understand that I can request a Balance Transfer transaction, which allows me to pay a portion or the entire balance of another credit card account I maintain with another institution by advancing funds from this Account. Any request I make for a Balance Transfer is subject to your approval, based on my Credit Limit, my creditworthiness, and my good standing as a member. If you approve my requested Balance Transfer transaction, a 3% Balance Transfer Fee will apply to the transaction, and a Balance Transfer ANNUAL PERCENTAGE RATE, as discussed above, will apply to my Balance Transfer balance.
- 3
-
Cash Advance transactions are subject to a Cash Advance Fee of 3% of the amount of the advance which is posted to the Account during the billing cycle, or $5.00, whichever is greater.
-
Only authorized charges for the purchases of goods or services made with your Cash Back Rewards Account, less any credits for purchase reversals or other refunds (“Qualifying Purchases”) will earn cash back rewards. For each dollar of Qualifying Purchases (charged to your Cash Back Rewards Account, you will be awarded a 1.5% ($0.015) cash reward. Your cash reward will automatically be redeemed as a credit to your Account at the end of each statement cycle. Cash Back Rewards Account interest rates are also disclosed on the First Entertainment Credit Union Visa® Application and Solicitation Disclosure. As long as your Cash Back Rewards Account remains open and in good standing, your accumulated cash rewards will not expire.
-
I understand that I can request a Balance Transfer transaction, which allows me to pay a portion or the entire balance of another credit card account I maintain with another institution, by advancing funds from this Account. Any request I make for a Balance Transfer is subject to your approval, based on my Credit Limit, my creditworthiness, and my good standing as a member. If you approve my requested Balance Transfer transaction, a 3% Balance Transfer Fee will apply to the transaction, and a Balance Transfer ANNUAL PERCENTAGE RATE, as discussed above, will apply to my Balance Transfer balance.
-
For full cardholder benefits and limitations, consult your Visa Consolidated Guide to Benefits or view our disclosures.
-
Visa® is a registered trademark of Visa® International Service Association and is used under license.