Getting a credit card is similar to applying for a loan. All you need to do is fill out an online loan application and choose a credit card from the drop down menu.  One of our member service representatives will contact you back to to get the documents and information they need! Your eligibility for a credit card will be affected by things such as your current credit score and other details of your financial situation, and your limit and payments will be determined then as well.

Credit cards, similar to other types of loan payments, are given a monthly payment on a fixed due date every month. Unlike most loans, this minimum payment can vary depending on the current credit card balance, among other factors, and will reflect your recent purchases and current charges on the card.

It depends on your current credit score, the amount of outstanding debts you may have, your credit history and other factors. Everyone’s credit situation is different and our loan officers will walk you through the ins and outs of your credit limit. 

A fixed annual percantage rate (APR) does not change over time. This consistency makes it easier for consumers and members to set a budget and stick with it. A variable annual percentage rate, on the other hand, could change when a prime rate changes. 

Yes! The CFFCU Visa credit card has a great rewards program called ScoreCard Rewards. Every purchase earns points that you can later redeem for cool stuff, travel and gift cards.

A share-secured credit card is backed by a deposit, the amount of which becomes your spending limit. You purchase items with the credit card and pay the balance each month.

You can request to have your credit limit increased by submitting an online credit line increase form. Our loan officers will review the request and get back with you. Your eligibility for an increase will depend on a number of factors including your overall credit history, your payment history, and more.