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BENEFITS
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.
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