Credit Card Terms & Conditions

Terms & Conditions

Please read the Terms & Condition for the credit card program you are interested in applying for before proceeding to the ONLINE APPLICATION by clicking on the appropriate link below. You may also visit our FORMS & APPLICATION page to download a printable application.

To obtain a copy of our Credit Card agreement disclosures please call us at 888-7-VIRIVA or 215-333-1201 for local calls. You can also email info@viriva.com. Please include your name, address, and daytime phone number in your request.

REWARDS CREDIT CARD

LOW RATE CREDIT CARD

SECURED CREDIT CARD


Mastercard® Platinum Rewards Credit Card*

Interest rates and interest charges

Annual Percentage Rate (APR) for Purchases 10.15% to 18%** when you open your account, based on your creditworthiness. After that your APR will vary with the market based on your credit score and the Prime Rate, but will not exceed 18%.
APR for Balance Transfer 10.15% to 18%**, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
APR for Cash Advances 10.15% to 18%**, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
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/.

Fees

Set-up & Maintenance

  • Annual Fee
  • Set-up Fee
  • Non-usage Fee
 

  • None
  • None
  • None
Transaction Fees

  • Balance Transfers
  • Cash Advances
  • Foreign Transactions
 

  • 3%, with a $5.00 minimum, no maximum
  • 3%, with a $5.00 minimum, no maximum
  • 1% of each transaction in U.S dollars.
Penalty Fees

  • Late Payments
  • Over-the-Credit Limit
  • Returned Checks
 

  • If Your payment is more than 15 days late, You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $25.00.
  • None
  • You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $20.00.
Other Fees None

 


 

Mastercard® Platinum Low Rate Credit Card*

Interest rates and interest charges

Annual Percentage Rate (APR) for Purchases 8.15% to 18%** when you open your account, based on your creditworthiness. After that your APR will vary with the market based on your credit score and the Prime Rate, but will not exceed 18%.
APR for Balance Transfer 8.15% to 18%**, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
APR for Cash Advances 8.15% to 18%**, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
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/.

Fees

Set-up & Maintenance

  • Annual Fee
  • Set-up Fee
  • Non-usage Fee
 

  • None
  • None
  • None
Transaction Fees

  • Balance Transfers
  • Cash Advances
  • Foreign Transactions
 

  • 3%, with a $5.00 minimum, no maximum
  • 3%, with a $5.00 minimum, no maximum
  • 1% of each transaction in U.S dollars.
Penalty Fees

  • Late Payments
  • Over-the-Credit Limit
  • Returned Checks
 

  • If Your payment is more than 15 days late, You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $25.00.
  • None
  • You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $20.00.
Other Fees None

 


 

Mastercard® Platinum Secured Credit Card

A share pledge of 100% of your credit limit plus an additional $200 is required to open a Secured Card.

Interest rates and interest charges

Annual Percentage Rate (APR) for Purchases 12.15%** when you open your account. After that your APR will vary with the market based the Prime Rate, but will not exceed 18%.
APR for Balance Transfer 12.15%**

Your APR will vary with the market based on the Prime Rate.

APR for Cash Advances 12.15%**

Your APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
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/.

Fees

Set-up & Maintenance

  • Annual Fee
  • Set-up Fee
  • Non-usage Fee
 

  • None
  • None
  • None
Transaction Fees

  • Balance Transfers
  • Cash Advances
  • Foreign Transactions
  • 3%, with a $5.00 minimum, no maximum
  • 3%, with a $5.00 minimum, no maximum
  • 1% of each transaction in U.S dollars.
Penalty Fees

  • Late Payments
  • Over-the-Credit Limit
  • Returned Checks
  • If Your payment is more than 15 days late, You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $25.00.
  • None
  • You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $20.00.
Other Fees None

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)

*The approval and the Annual Percentage Rate (APR) offered to you for this product will be based upon your credit evaluation. **All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the first business day of each calendar month (“Index”) plus a margin from 5.90-17.90 (for the Rewards Card Program), 3.90-15.90 (for the Low Rate Card Program), and 7.90 (for the Secured Card). The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments. This disclosure is accurate as of July 1, 2017 and is subject to change after that date. To find out if any changes in this information have occurred, please call us at 888-7-VIRIVA (215-333-1201 for local calls), or write to us at 157 York Road Warminster, PA 18974.



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