Still searching for the VISA with a non-variable rate, and no annual fees, then search no more, Montana 1st has the card for you.
With your Montana 1st Classic VISA you will enjoy:
- Low Non-Variable 10.9% Annual Percentage Rate
- No Annual Fee
- 25 Day Grace Period on New Purchases*
- No Cash Advance or Balance Transfer Fees
- ATM Access Through VISA ATM Network
- $250,000 Free Travel Insurance
- Method of Computing the Balance for Purchases is the Average Daily Balance
- Late Fee on Purchases and Cash Advances only $25 or 15%, Whichever is Greater
Please contact a Financial Services Representative at 406-728-1790 today to find out how Montana 1st and VISA can get you easy access to the cash you need when you need it.
*HOW TO AVOID PAYING INTEREST ON PURCHASES- The due date is at least 25 days after the close of each billing cycle. We will NOT charge you interest on purchases if you pay the entire balance by the due date each month.
Lost or Stolen Cards
Montana 1st tries to resolve all member concerns directly. However, for a lost or stolen credit or debit card during non-business hours please follow these instructions:
- To report a lost or stolen VISA card please call 1-800-991-4965.
- To report a lost or stolen Debit card please call 1-800-535-8440.
Disputing Charges
If you would like to dispute charges on either your VISA Debit or Visa Credit card, first call the merchant directly to discuss the charges. Next, if that hasn't resolved the issue, please use the following sample letters to detail the charges and why they are in dispute. After you have your letter written, please contact our plastics specialist at 406.728.1790. Please Note: If charges in dispute are found to be legitimate or if due diligence has not been done, a charge of $25.00 will be assessed to your account.
Download Sample Letters:
http://mtfirst.com/docs/VISA.doc
http://mtfirst.com/docs/VISA2.doc
Federal Regualtion Changes
Recent federal regulations on credit cards are designed to protect you from predatory lending practices. To view these changes and for further information, go to: http://www.federalreserve.gov/consumerinfo/wyntk_creditcardrules.htm
Rates
| Type | Term | APR* |
| Share Secured | 48 Months | 4.50% |
| Certificate Secured | Certificate APY* + 2.00% | |
| Signature/Partial Secured Loan | Up To 84 Months | 9.25% to 18.00% |
| Visa | Revolving | 10.90% |
| Overdraft Protection | Revolving | 10.90% |
* Annual Percentage Rate used to calculate financing may vary based on, but not limited to, term, creditworthiness, and your relationship with Montana First Credit Union.