Ways to best manage your card

Using Your Card

We care about your long-term financial well-being and want you to be more confident in your payment and purchasing decisions.

As a result, we explain our fees and interest rates in a way that’s easy to understand and provide tips on how to avoid them. We’ve also outlined what can happen if payments aren’t made on time and how to manage your spending.

Know and manage your credit limit

Your current credit limit can be found on your statement and is also available when you log in at Manage my Visa card. Remember to manager your spending by staying below the credit limit. Consistently spending close to the credit limit has a negative impact on your credit score. If you spend above the credit limit, a $10 fee will be charged.

If you’d like us to review or change your credit limit, call us at 604-877-4999 or toll-free outside the Greater Vancouver area at 1-800-611-8472.

Pay your balance on time

Try to pay your balance in full by the due date. If you’re only able to pay a portion of your balance, pay as much as you can. Even a small amount more than the minimum payment can make a big difference.

Make at least the minimum payment on time. If you don’t, we may limit the use of your credit card. When you set up automatic minimum or full monthly payments on your enviro Visa account, you’ll never have to worry about paying additional interest due to a late or missed bill payment. Get started with automatic payments.

Making your payments on time builds a good credit history, which may be needed to acquire a cell phone, cable, Internet and in some cases, to rent a home or get a job. If you regularly find yourself paying only a portion of your balance, talk to us at 604-877-4999 or toll-free 1-800-611-8472 about a low interest rate enviro Visa card or other possible options.

Understand when and how interest is charged

For purchases that appear on your statement for the first time, you won’t be charged interest if you pay the entire balance in full by the payment due date which is 21 days from your last statement period. If you don’t pay the balance in full, interest will be charged starting from the first transaction date of each purchase.

For cash advances, cash-like transactions, balance transfers and amounts written on enviro Visa cheques, you’ll be charged interest right away, starting from the date of the transaction.

Your interest rate appears on your enviro Visa statement. Interest rates on Vancity enviro Visa cards are the same for purchases, cash advances, balance transfers and Visa cheques.

Make Good Money™

When you choose and use an enviro Visa card, you earn great rewards, while making good things happen in your community through the enviroFund granting program.

Just by using your card for daily transactions, you ensure every year a portion of Vancity enviro Visa's profits are distributed back to your local community. We call it Good Money.

Setup Vancity enviro Visa alerts

Keep tabs on your enviro Visa account activity, monitor your spending and more through Vancity enviro Visa alerts.

Vancity enviro Visa alerts provide a tool for members to monitor their financial activity from within their online banking account.

With our free alerts, Vancity automatically sends you an email and/or a text message to your mobile phone to alert you of certain changes to your account to better manage your transactions

You can receive any or all of these five alerts:

  • Outside Canada
  • Purchase amount
  • Online/phone transactions
  • Cash withdrawal
  • Transaction declined

For more information on enviro Visa card alerts and how to sign up for them, visit our alerts page.

™ enviro, Vancity enviroFund, Vancity Rewards and Make Good Money are trademarks of Vancouver City Savings Credit Union.
*Trademark of Visa Int., used under license.

5 steps to credit card happiness