Your New Credit Card

In October 2020, our members with a North Side Community Federal Credit Union (NSCFCU) credit card will be upgraded to our GLCU Visa Credit Card. If you received a letter from us about this change, please see below for important updates and additional information. 

  • Your credit limit and current interest rate will remain the same
  • Please continue using your current card until October 24, 2020, at which time you will receive and should activate your new card.
  • Don't forget to update all of your recurring payments and bill payment information (gym memberships, I-Pass, Netflix, etc.)
  • Click here for additional FAQs!
  • See the chart below for a list of specific Fee Changes, which will be effective October 23, 2020

 

Benefits of Your NEW GLCU Visa Credit Card:

  • View transactions/account history, make payments, and transfer funds from Mobile Banking or Online Banking
  • Set travel alerts and turn your card on/off with Card Controls in Mobile Banking
  • Enjoy the freedom to leave your card at home with Digital Wallet (Google Pay, Apple Pay, Samsung Pay)

 

If you have any questions, please do not hesitate to contact us at (800) 982-7850.

 

Additional Visa Credit Card Benefits*:

  • Purchase Security – safeguard your items against theft/damage due to covered circumstances for the first 90 days
  • Hotel Theft Protection – receive reimbursement for personal belongings stolen from your room
  • Lost Luggage Coverage – get a reimbursement for luggage in the event of theft or misdirection by the airline
  • Travel & Emergency Assistance – support in case of an emergency while traveling (Carrier: CBSI Card Benefit Services, Coverage principal sum: $400,000 (increased from $150,000 previously)
  • Warranty Manager Service – double the term of eligible U.S. manufacturer’s warranty up to 1 additional year on warranties 3 years or less
  • Roadside Dispatch® – pay-per-use roadside assistance program; available 24/7
  • Auto Rental Insurance & Travel Accident Insurance – add peace of mind to your itinerary with additional coverage

 

The following is a list of specific Fee Changes, which will be effective October 23, 2020.

Please be advised that this notice covers these specific changes only, and does not include all sections and/or terms that remain in effect.

You have the right to reject these changes. If you want to reject these changes, you must contact us by October 23, 2020. Write to us at, PO Box 1289, Bannockburn, IL 60015, Attn: Card Services. However, if you reject these changes, you will not be able to use your account for new transactions and your account will be closed. Any remaining balance will continue to accrue interest at your current APR(s) and you will still be responsible for paying monthly payments until your balance is paid in full. The right to reject a change in terms does not apply if we have not received a required minimum periodic payment within 60 days after the due date for that payment.

 

2020 CC De-conversion

Category Revised Terms as of 10/23/2020
Annual Fee$0
Balance Transfer Fee & Cash Advance Fee$10 or 3%, whichever is greater
Cash Advance Limit25% of your maximum credit limit
Convenience Check Fee$35 per item
Returned Convenience Check Fee$25 per item
Skip a Payment (Maximum of 2 skips per year, per loan)$35 per skip
Out-of-Network ATM Withdrawals$2 per transaction
Foreign Transaction Fee2% of purchase
Grace Period Before Late Fee is Assessed1 day
Late Fee$25
Minimum Payment$25 or 2% of your balance, whichever is greater
New Card Rush Fee$60
Pay by Phone$10
Due Date14th of each month
Statement Date19th of each month
Travel Accident InsuranceCarrier: CBSI Card Benefit Services Coverage Principal Sum: $400,000*
New payment mailing addressGreat Lakes Credit Union, PO Box 8754, Carol Stream, IL 60197-8754

 

GLCU Credit Card Agreement

*Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered card to secure transactions.