Who knew that being responsible with your first credit card could be so rewarding?New clothes, streaming subscriptions, Tuesday night tacos. A Clearview Student Mastercard® will definitely let you buy stuff that makes life more fun. But did you know making regular payments and keeping your card balance under control can beef up your credit rating? That'll pay off down the road when you're applying for a loan, a job, or rental housing in Pittsburgh and elsewhere. Get started building today with our credit card for students.
- Cards have a maximum credit line of $1,500, so young people can learn to spend safely without going overboard
- No annual fee
- 25-day grace period on purchases
- Emergency cash and card replacement
- Receive text alerts whenever we notice a potentially fraudulent use of your card
- Instant issue cards available at select locations
How do credit cards work?Our Student Mastercard® is a great first credit card for students. As a new cardholder, you may be wondering “How do credit cards work?” Credit cards establish a line of credit through which you can borrow funds from a lender. By opening a credit card, you’re agreeing to pay back any borrowed funds under the agreed upon terms which includes things like credit limit, the annual percentage rate (APR), and other fees. When you spend with your credit card, you’ll need to make regular minimum payments to the account to cover the purchases. When possible, you should pay your balance off every month to avoid paying interest and other fees.
How does APR work on a credit card?When you use a credit card and carry a balance, there's a cost associated for borrowing. This cost is also known as credit card interest. Credit card interest is charged if you don’t pay your account in full before the grace period, or the time frame between the billing cycle’s end and the payment’s due date. This interest is typically set at an annual rate and referred to as the annual percentage rate (APR).
How does a credit card build credit?Building credit takes time. When developing your credit score with your first credit card, it's important to keep these things in mind: make regular payments on time and keep your balance low.
Payment history accounts for 35% of your credit score, so making those regular payments (in full if you can) goes a long way in helping build your credit.
The second-biggest impact to your credit score is the amount you owe. On top of the total you owe on a credit card, your overall credit utilization is also taken into account. Your credit utilization rate is determined by taking the amount of credit you're using divided by your total credit limit. So if you have a balance of $250 on your credit card that has a $2,500 limit, your utilization rate is 10%. It's generally recommended to keep credit use under 30% of your total credit limit.
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If you're traveling internationally please take the following steps:
- Set travel notifications for your debit and credit card(s) from our Card Defense® app. Within Card Defense®, tap on your card then select Travel Notifications. If you have multiple cards, you'll have to set the notification for each card individually. You can also contact us 1-800-926-0003 prior to your departure with the dates and cities you’ll be traveling to so we can notate your cards for travel. We recommend taking more than one form of payment with you when you travel.
- You'll be asked for a PIN number if you're using your card outside of the U.S., so make sure you have a PIN set up on all cards you'll be taking with you. To set up a PIN for credit cards, call 1-866-576-1342, for debit cards, call 1-866-985-2273.
We use email to communicate with digital banking users. Please log in to digital banking and select My profile under Manage account. Under Personal Information, type your new email address in the Email section and click the Update button. You can also call us at 1-800-926-0003 and we'll make this change for you.
Protect yourself by registering for real-time text fraud alerts for your Clearview credit and debit cards. Once registered, you'll receive a text and/or pre-recorded voice call when there's a suspicious transaction on your card.
Register today. It only takes a few minutes!
Register today. It only takes a few minutes!
You can get a new credit or debit card printed on the spot at some of our financial centers for the following reasons:
- When your card is lost or stolen
- When your card is damaged
- When you open a new checking account at a financial center
Visit our location pages to see which financial centers offer instant issue credit and debit cards.
To review recent transactions, select your credit card from the My accounts page. For additional credit card information, under Manage account, select Manage my credit card.
Call our Care Center at 1-800-926-0003 to make your payment from your debit card or checking account at another financial institution to your Clearview loan or credit card. There's a service fee per transaction. You can avoid this fee by making a payment within digital banking. Learn more about your repayment options.
If you're unable to use any other methods to make a payment to your loan or credit card, please send payments to the following addresses:
- Credit cards: Clearview Federal Credit Union, PO Box 71050, Charlotte, NC 28272-1050
- Loan or deposit address: Clearview Federal Credit Union, ATTN: Payment Processing, 8805 University Blvd, Moon Twp, PA 15108-2580.