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Knowledge Base Article

Visa Payment Grace Period and Member Benefit Disclosure

Do I have a grace period before I am charged interest?

We do not charge interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Click here to review your terms and conditions.

Do I have a courtesy period on my Visa credit card before I am charged a late fee?

A late payment fee is charged if you are ten (10) or more days late in making a payment. To avoid any late fees, review your monthly Visa statement and pay the Minimum Due (Past Due, if any + Current Due) by the due date.

Member Benefits Disclosure

Delta Community Credit Union Visa Member Benefits

The following benefits are applicable to Delta Community Credit Union ("credit union") Visa Platinum Rewards Credit Card.

As a service to our cardholders, the credit union provides each cardholder with the following valuable benefits. If you have questions pertaining to these benefits, please contact Delta Community Credit Union at 1-800-544-3328 or 404-715-4725 or visit our web site at Thank you for choosing Delta Community Credit Union as your Visa card issuer.

No Annual Fee:

No annual fee is assessed by the credit union.

Electronic Services:

As a cardholder you can make your Visa payments by either using Online Banking or Self-Service IVR, as well as make cash advances to checking. You can also review purchase history online and receive your Visa statement through the online statement feature.

Reward Points:

Delta Community Credit Union Visa Platinum Rewards cardholders are automatically enrolled in the Credit Union's Rewards Points program. To enroll, visit Once enrolled, you can earn points redeemable for travel rewards including air, hotel and rental car, retail and dining gift certificates/cards, merchandise, charity and cash back rewards. As a participant, you will earn one (1) point per each $1 spent for eligible purchases made on the Platinum Rewards Credit Cards and (1) point per every $3 spent for eligible signature-based purchases made with Check Cards. PIN- based transactions do not accumulate points. No points are earned for the purchase of traveler's checks, balance transfers, interest or service charges, cash advances or ATM withdrawals. Delta Community Visa cardholders can be enrolled as Contributing Participants under a Primary Participant's account. The Primary Participant controls the points. For complete program details, see or request a Program Rules brochure from the credit union.

Emergency Services:

With the Emergency Disbursement service, you have peace of mind knowing that your Visa card can be replaced quickly, easily and conveniently. In the U.S., a card can be replaced and delivered in as little as 24 hours. Outside of the U.S., it is often replaced as quickly as one business day. Additionally, Emergency Disbursement is available on Delta Community Visa Credit Cards. You can receive up to $5,000 in emergency cash, usually within 24 hours. Once your cash request has been approved and processed, you can pick up the cash at a convenient Emergency Service Location. The credit union’s credit cards are also protected against loss or theft. One call to Visa will block your account to prevent fraudulent charges and arrange for a replacement card to be delivered to you. To speak with a customer service agent, 24 hours a day, 7 days a week please call Delta Community Credit Union at 1-800-544-3328 or Visa at 1-800-VISA-911. Overseas travelers can call collect by dialing 410-581-9994.

Verified by Visa:

Verified by Visa is a global solution for making online/e-commerce transactions more secure by helping to ensure that the rightful owner of the Visa card initiates the transaction. This service employs advanced risk detection technology to monitor transactions, removing the need for passwords, which allows you to shop without interruption. Verified by Visa enables online merchants to confirm a cardholder's identity before an online transaction is approved. This added step will help prevent an unauthorized user from using the card online to perform fraudulent transactions. All Delta Community Visa Debit and Credit Cards are automatically enrolled in Verified by Visa.

Zero Liability:

Visa's Zero Liability policy means 100% protection for the credit union's Visa cardholders against fraudulent purchases that take place on the Visa system. Delta Community's Visa credit and/or debit cards offer complete liability protection. Should someone steal your card number while you're shopping, online or off, you pay nothing for fraudulent activity. If you notice fraudulent activity on your card, promptly contact us at 1-800-544-3328 to report it. This policy does not cover ATM withdrawals.

Minimal International Service Assessment (ISA) Fees:

Visa, like other credit card companies, adds an ISA fee to cover currency conversion costs on all transactions done outside the United States, Puerto Rico or the U.S. Virgin Islands. The minimum Visa ISA fee is 1% of the transaction, and the credit union does not increase the ISA handling fee. Many other credit card issuers may increase the international transaction fee as much as 3%.