User I.D.



Platinum MasterCard

Baptist Credit Union offers Classic, Gold and Platinum level MasterCard. To access Baptist Credit Union's MasterCard® application click here.

Effective September 16, 2013
10.90% APR*
*Annual Percentage Rate. Rate based on credit worthiness.
APR for Balances Transfers Same as Purchase APR
APR for Cash Advances Same as Purchase APR
Grace Period for Repayment of Balance for Purchases 25 days from statement closing date if new balance is paid in full each month by the payment due date, no grace period for cash advances or balance transfers.
Method of Computing the Balance for Purchases and Cash Advances Purchases: Average Daily Balance Method – Interest is calculated, billed and reported at cycle time. Cash Advances: Average Daily Balance Method – Interest is calculated, billed and reported from date of transaction. (See cardholder agreement)
Minimum Finance Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To Learn more about factors to consider when applying for a credit card, visit the website of the Consumer Financial Protection Bureau:

Annual Fee None
Transaction Fee for Purchases None, except a Foreign Transaction Fee of up to 1% will apply to international transactions.
Transaction Fee for Cash Advances None, except a Foreign Transaction Fee of up to 1% will apply to international transactions.
Late Payment $18 Late Payment Fee
Return Check Fee $10.00
Fee for Exceeding Credit Limit None
Other Fee - $1.25 will be charged when you make your payment at a Baptist Credit Union branch.

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

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreements.

Important Information About Procedures For Opening A New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. The information that is being requested and observed is for compliance with the requirements of Section 326 of the USA PATRIOT Act related to implementing customer identification and verification requirements.

PRESCREEN & Opt-Out Notice: You received this offer because, according to the prequalifying report provided to us by TransUnion, you satisfied the criteria established for this offer. If, upon evaluation of your completed application and information provided to us by others, we find you do not meet the criteria, you may receive a different offer or credit may not be extended. You have the right to prohibit certain uses of information in your file as maintained by any credit reporting agency. To assert this right, you may call or write TransUnion PO BOX 2000 Chester, PA 19016 or 800-916-8800. When writing, please include your name, address, Social Security number and signature.

For Baptist Credit Union's Credit Card Agreement and Disclosure of Credit Terms and Member Billing Rights click here.

Credit Card Application
Please call our Loan Department at (210) 525-0100 ext. 400 or (800) 222-2328 ext. 400 for a credit card application to be mailed to you.

Your credit limit is based on your credit approval and credit rating.

Rates are good as of 9/16/2013 and are subject to change.

Access your credit card account online
Click here to transfer to online account access.

Lost or Stolen Credit Card
Contact Numbers
Business Hours: 1(800) 222-2328
After Hours call MasterCard: 1-800-442-4757
Instructions - Please have all of your pertinent information available as well as your account number and social security number.

If your credit cards and other personal information have been lost or stolen contact these organizations or agencies:
Credit Bureaus

Social Security Administration - contact if Social Security card or number is compromised.

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