Union Plus Credit Card

Low-finance charge, no-annual fee credit cards. The Union Plus-credit card program, endorsed by AFGE, is provided by Household Banks (Nevada).

VENDOR: Household Credit Services (Nevada)

ELIGIBILITY: Only current dues-paying members of AFGE can apply for and keep this card.

SPECIAL FEATURES:

• No Annual Fee
• 25-Day Grace Period on Purchases
• 24-Hour Customer Service
• Skip Payment Privileges
• Member Advocacy Program
• Fraud Protection
• Loss Protection
• $250,000 Travel Accident Insurance Coverage

SPECIAL NOTES:

1. AFGE has no involvement in the credit decision.
2. Member should allow five weeks from the time an application was mailed.
3. The annual percentage rate (APR) is based upon a member's credit record.
4. Members should understand that they must meet minimum credit criteria to obtain a credit card, and that the bank will base their credit decision on a review of the member's past credit history. Members who have been denied a credit card should first request a copy of their credit history to be certain there are no errors.
5. All denials generally fall into one of four categories: No credit history; delinquent credit history; ratio of debt to income, or errors on the member's credit history.
6. Appeals must be received within 30 days of the date of denial letter.
7. To appeal a denial over 30 days old, a fully-completed new application must accompany the appeal.