A highly respected consumer educator and advocate, Gerri Detweiler, calls the Union Plus Credit Card a "good guy"
example that "should be the standard, not the exception" for affinity credit cards."
Read more.
"A few months ago, I received a Union
Plus Secured Credit Card. This is simply the best
financial decision I have made in a long time. Not only
am I well on the way to significantly improving my credit,
the customer support is fast, friendly and responsive.
I can count on Union Plus."
Gerald de Heer
CWA, Local 9415
Honolulu, HI
Credit Crisis?
Good credit requires a history of timely payments, stability
and financial responsibility. Haunted by your credit past?
Union
Plus Secured Card can help. More
credit education tips.
Want tips on raising your credit score to help improve your
chances of qualifying for lower interest rates? Click
here.
Union Privilege and our partner HSBC Card Services have created the
Union Plus® Credit Card exclusively for union members and family members of union households . Explore the many
reasons to apply
today. You can also apply for the Rewards Card here.
To ensure satisfied Cardholders, Union Plus approaches customer service
from all sides.
All customer service calls answered by representatives in the United States.
24-hour personal customer service by phone or online
Member advocates - staffed by fellow union members
- help members with issues such as charge disputes. To contact Union
Plus advocates about concerns, please complete the
Union Plus feedback form.
Merchant dispute assistance.
Online
account management to manage your Union Plus Credit Card account, view statements or even pay your bill online.
Union Plus offers a variety of credit cards such as our Rewards Card and Secured Card to serve the diverse needs of union members. Browse Types of Credit Cards to find the perfect fit.
Satisfaction, Reliability & Confidentiality
More than three million union members already enjoy Union Plus Credit Card
advantages. HSBC is Union Privilege's trusted partner, and both organizations
take your privacy
and security seriously. Sound good? Apply
now!
Unmatched Rates & Service
The Union Plus Credit Card not only provides working families with low rates but also protection from punitive actions that other leading credit card providers cannot match. With the Union Plus MasterCard, cardholders are not charged punitive rates for late payments.
Credit Card Comparison
Union Plus Credit Card vs. Cards from Top Issuers
Feature/Practice
Typical Credit Cards
Union Plus
Annual Percentage Rate (APR)^
Average APR is 14.5%. Rates as high as 32%. One-fifth with rates higher than 20%.
Average APR is 13.6%. Rate capped at 19.99%. No cardholders with rates over 20%.
Punitive Pricing
Yes - Average default rate is 25%, many issuers charge 32%.
No punitive pricing on the member's standard APR. Promotional rates may rise to the member's standard rate if payments are late on our card only (and only if 30 days late on Union Plus card).
Universal Default
Charge punitive rates even if late on other company's credit card bills - or even other bills including utilities, mortgage, car loan - going over limit, changes in credit report.*
No universal default.
Raise Rates Any Time
Claim the right to change terms for any reason, including no good reason at all!
Terms can change only if Union Privilege agrees.
Grace Period
20 days
25 days
Mandatory Arbitration
Yes, forces consumer to waive his or her right to a court trial.
No mandatory arbitration clause.
Special Protections
None
Free Credit Counseling
Lifeline Trust provides grants to cardholders out of work due to recent disability
Layoff Helpline
Disaster Relief Fund
Skip Payments (up to 4 per year)
Member Advocate to help with concerns not addressed by bank
All Calls Answered In US
No
Yes
Scholarship
Program None
$150,000 annually
Union messages
No
Yes, monthly union message inserts.
^ APR data from Argus as of September 2006.
* As a result of recent Senate hearings on the credit card industry, some credit card issuers said they will change some of the practices that were criticized. For example, Citigroup announced it will eliminate its universal default practice.
