Union Plus Credit Card: Carry the card that works as hard as you do

[Omaha Steve]

A quick goggle will give several groups that rate this card highly for it's benefits.

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.

http://www.unionplus.org/benefits/money/card.cfm

Find out about your other Union Plus discounts and services.

The Union Plus Credit Card comes with Triple Plus® Features no other card can equal. Here's a sampling of what new cardmembers will get:

Triple Plus Value®

* No annual fee
* Exclusive member rates and benefits
* Money-saving balance transfer offers
* Scholarship program
* Free additional cards
* Money-saving discounts

Triple Plus Protection®

* Special safety net for disabled workers and others facing financial hardship - including the Lifeline Trust and Disaster Relief Fund
* 100% protection against fraud
* Strike-payment protection
* Skip-payment options
* Extended warranty
* More information on unique union benefits for laid off workers or workers on strike

Triple Plus Service®

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.
* Card FAQ

Variety

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 14.85%. Nearly one-quarter with rates higher than 20% Average APR is 13.67%. Retail rate is capped at 19.99%
Grace Period 20 days 25 days
Default Pricing

* As high as 30.99%
* Triggers: Most use SINGLE late payment, overlimit or returned check
* Most offer no right to cure
(Exceptions: American Express and Capital One: earn back rate after 12 months of on-time payments)



* Capped at 19.99%
* Triggers: Twice 3+ days late; twice overlimit; once 3+ days late and once over limit; or late twice and overlimit once in 12 months
* Right to cure: Member can earn back original rate with 6 months of on-time payments

Special Protections None

* Free Credit Counseling
* Lifeline Trust provides grants to cardholders out of work due to recent disability, $250,000 annually
* Layoff Helpline
* Disaster Relief Fund
* Skip Payments (up to 4 per year for strike)
* Secured Credit Card
* Full-time Member Advocate OPEIU employee

Mandatory Arbitration Yes, forces consumer to waive his or her right to a court trial. No mandatory arbitration clause
Raise Rates Any Time Claim the right to change terms for any reason Terms can change only if Union Privilege agrees
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 December 2007.

Comparison as of May 21, 2008


http://www.unionplus.org/benefits/money/card.cfm

[BlooInBloo]

1. Cool, I suppose, but the OP looks like an advertisement to me.

[ret5hd]

2. I've already got mine...had it for a few years now. Excellent deal.

[mitchtv]

3. I've had mine for many years now

No problems.