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Visa CREDIT CARD

BALANCE TRANSFER
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FAQs
FAQs

Are there any fees associated with my Direct Federal Visa?

If your payments are on time, there are no fees.

If your payments are on time, there are no fees. If your payment is not received by the due date, there is a $25 Late Fee, which will increase to $35 for subsequent late payments within a six-month period. For foreign transactions, the fee is 1% of each transaction in US dollars.

How can I get cash advances using my Direct Federal Visa?

You are eligible for cash advances by going to ATMs or banks that are part of the Visa network.

You are eligible for cash advances by going to ATMs or banks that are part of the Visa network. (This will require a PIN, which you can obtain by calling our Call Center at 781.455.6500.) You can also transfer money online between a Direct Federal Visa account and any other Direct Federal account by Call 24 or through Web Banking.

How do I apply for a Direct Federal Visa?

It’s simple. Just complete our secure online application or call us at 781.455.6500.

It’s simple. Just complete our secure online application or call us at 781.455.6500. Either way,
it will only take a few minutes and you’ll receive a decision the same day.

What is the "normal" interest rate on a Direct Federal Visa?

The rate can vary monthly and is based on the Prime rate published in The Wall Street Journal.

The rate can vary monthly and is based on the Prime rate published in The Wall Street Journal. This rate applies to all transactions —purchases, balance transfers and cash advances. Nearly all other credit cards charge a higher rate for balance transfers and cash advances than they do for purchases. But with a Direct Federal Visa, you are only charged one low rate, regardless of the type of transaction. In some instances, a fixed rate of 18% may be assigned.

What is the credit limit on a Direct Federal Visa?

You can apply for a credit limit of up to $25,000.

You can apply for a credit limit of up to $25,000.

How long will it take to receive my Direct Federal Visa card?

Your Visa credit card is mailed on the third business day after your account is set up.

Your Visa credit card is mailed on the third business day after your account is set up.

How can I increase my credit limit?

To increase your existing credit limit, either complete our secure online application or give us a call at 781.455.6500.

To increase your existing credit limit, either complete our secure online application or give us
a call at 781.455.6500.

Can I pay my Direct Federal Visa bill online?

Yes. You may pay your Direct Federal Visa bill online using your Checking Account.

Yes. You may pay your Direct Federal Visa bill online using your Checking Account. Simply complete the enrollment process and you can make a payment from any checking or savings account, even if it is with another bank. You can view your online payment summary history and easily change the designated account or bank at any time.