Free CURewards — earn points towards merchandise and travel on every dollar you spend!
If you need to report a lost/stolen Mastercard® or Access debit card‚ please call 1-800-654-7728 or refer to mastercard.us. Cardholders outside the U.S. can call 636-722-7111 collect in the event of an emergency. If you have any questions‚ please call us at 301-929-7993 or 800-888-6560 or email us.
If you need to reset your PIN on your Mastercard credit card, call 888-886-0083 from within the U.S. If you're out of country, you can email us. (Please indicate that your message is regarding Mastercard® for prompt service.)
Immediately notify us of the unauthorized use by calling 800-449-7728. if you are outside of the U.S., please call 636-722-7111 collect. An affidavit will be mailed to the address on record and must be returned per the enclosed instructions. Transactions must be reported within 60 days of the statement period in which the transaction occured.
New cardholders receive 50,000 reward points if you make $5,000 in purchases within the first 90 days you have your card. If your spending falls short of that mark, but you spend at least $2,500 within the first 90 days, you’ll get 20,000 points. (Ordinarily, you earn one point for each dollar you spend.)
Another exciting feature is the FREE Travel Accident Insurance (up to $1‚000‚000) you automatically receive when you use the card to purchase tickets for travel on planes, ships, trains and other common carriers.
And with our Platinum card there is even more — the Mastercard® Family of Services which includes Mastercard® Global Service, Baggage delay insurance, Extended warranty, Hotel/motel burglary insurance, Lost or damaged luggage insurance, and Purchase assurance. Check out the detailed list of benefits.
Effective Jan 1, 2017
|Charges & Fees||Terms|
|Purchase, Balance Transfer and Cash Advance APR*||8.90%-17.65% When you open your account, determined by your credit worthiness.1 After that, APR will vary with the market based on the Prime Rate and a margin determined by credit history.|
|How to Avoid Paying Interest on Purchases||LFCU allows you 25 days to make a payment for charges of merchandise and/or services when the billing cycle beginning balance is $0.00 in order to avoid paying interest.|
|Minimum Finance Charge||There will be up to a $1.00 minimum finance charge assessed.|
|For Credit Card Tips from the Consumer Financial Protection Bureau||To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore|
|Balance Transfer Fee||None.|
|Cash Advance Fee||Either $2.00 or 2% of the amount of each cash advance, whichever is greater.|
|Foreign Transaction Fee||2% of the transaction amount in U.S dollars.|
|Late Payment Fee||Up to $25.00|
|Over the Credit Limit Fee||None.|
|Returned Payment Fee||Up to $25.00 will be assessed and added to your balance of the minimum payment is not received within 5 days following the payment due date.|
|Card Replacement Fee||Up to $5.00|
Regular Mastercard® payments can be mailed to:
P.O. Box 71050
Charlotte‚ NC 28272-1050
Overnight payments must be sent to:
560 Carillon Pkwy.
St. Petersburg‚ FL 33716
Please make your check payable to Lafayette Federal Credit Union and write your credit card account number in the message line.
If you have questions or wish to dispute a charge‚ please call 800-654-7728 or send a letter to:
P.O. Box 31112
Tampa‚ FL 33631-3112
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