Branch Locations...
ARMIDALE ASHFORD BARRABA BINGARA BUNDARRA GLEN INNES GUYRA INVERELL MANILLA MOREE MUNGINDI QUIRINDI TAMWORTH TENTERFIELD UNE URALLA WALCHA WARIALDA WERRIS CREEK
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132 067
8.00am - 6.00pm Weekdays 8.30am - 12.00noon Saturday
Your Choice Visa
ABN 21 087 650 360 : AFSL 241167
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Suite 4, New England Technology Park Madgwick Drive, Armidale 2350 Phone: 132 067 Fax: [02] 6776 0430 35B/Jan/07
at the heart of our community
Your Choice Visa..
Up to 55 days interest free
“Your Choice” is the right choice for low annual fees and interest rates
Annual Fee: $30 charged annually Those members who apply for a “Your Choice” Visa credit card that already have or take out a mortgage with New England Credit Union will receive an interest rate reduction of 3.00%p.a off the already low credit card interest rate. This reduces the interest rate you pay on the “Your Choice” card and is a reward for using us for both your home loan and credit card needs (see interest rate brochure for current rates).
Your Choice Visa
“Your Choice” is a credit card issued and developed by New England Credit Union to cater specifically to your needs. We have focused on providing you with a “55 days interest free” credit card with a low annual fee, a low interest rate and a special bonus for members who have a mortgage with New England Credit Union. Add to this the unrivalled access to over 24 million merchants and almost one million ATM’s in over 150 countries that is provided through our affiliation with Visa International, and “Your Choice” becomes the only choice when selecting a credit card!
Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria applies.
Most of us have heard the phrase “55 days interest free”, but what does it really mean, and how does it benefit you? Here’s how it works... You will receive a statement for the “Your Choice” Visa credit card each month. Each statement will show a payment due date, which will be at least 24 days from the date the statement is issued. Any purchases on this statement will not be charged interest until after the due date. This means that you get to use New England Credit Union’s money for at least 24 days before you are charged any interest, and if you make your purchase early in the statement cycle, up to 55 days interest free.
Transfer your existing credit card balance and start saving immediately!
Do you have a credit card at another financial institution? If so, what interest rate are you paying? By transferring the current balance of an existing credit card you can start paying the low “Your Choice” Visa Credit Card interest rate on the outstanding balance immediately. Why pay up to 17% interest (or more) when you can transfer your current credit card balance to a “Your Choice” Visa and pay a lower interest rate (or a further 3.00%p.a reduction in the interest rate if you have a mortgage with New England Credit Union)? And the great news is that the sooner you make the change to “Your Choice”, the sooner you will start saving!
Acceptance of Visa – Around the corner or around the World
Our affiliation with Visa International gives you the assurance that the “Your Choice” credit card will be widely accepted both in Australia and overseas.
Credit cards are part of everyday life for most Australians, however most of us have heard stories about how incorrect use of a credit card can cause financial difficulty for the user. It is important to remember that the “Your Choice” Visa credit card is not an alternative to a loan. It is designed to provide you with short term finance and a convenient way to make purchases locally, internationally, over the telephone and on the internet. While the minimum monthly repayment on the “Your Choice” Visa is 2.5% or $20, whichever is greater, you can minimise the interest charged by paying more than this amount.
132 067 www.necu.com.au