MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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MSU Federal Credit Union | Disclosures | Visa

Visa Credit & Debit Card Disclosures

For Platinum Visa for Teens Credit Card

Parent's/Legal Guardian's Agreement 


  • I agree that my teen should have an MSUFCU Visa Credit Card with a manageable starter limit.
  • I understand that I am responsible for repayment of the card balance and any interest fees accumulated should my teen not be able to repay the amount borrowed.
  • I agree to discuss the terms and conditions of the card with my teen.
  • I agree to discuss with my teen the types of purchases that may be charged to his/her MSUFCU Visa Credit Card, e.g., emergencies, clothing, online shopping, school expenses.
  • I agree that my teen should know how to handle his/her finances and will help him/her with their financial education.
  • I will review my teen's monthly Visa statement and discuss the cost of credit and the importance of repaying the account on time..
  • I will review the fees associated with and the interest charged on the MSUFCU Visa Credit Card with my teen  and discuss how they can be reduced.
  • I will help my teen develop a simple budget to track his/her income and expenses.
  • I will discuss short- and long-term savings goals with my teen.
  • I agree that setting a good example for my teen is necessary for him/her to make wise financial decisions.

Teen's Agreement


  • I agree that the MSUFCU Visa Credit Card is a privilege to use and that I am required to repay any money borrowed through my use of the card.
  • I agree not to spend more than I can afford to repay and must repay my MSUFCU Visa Credit Card in a timely manner.
  • I know I will have to maintain a budget so that I do not spend more than I earn.
  • I understand that a good credit history is important.
  • I agree to make the minimum payment on time and, whenever possible, to pay more than the required minimum or pay the balance in full to reduce loan interest charges.
  • I understand that by paying my bill in full each month, I will not be charged interest.
  • I understand that my limit is $500 and that I cannot charge more than that amount to my card. Consistently being over limit may be detrimental to my credit history.
  • I understand that if I fail to make my payment by the due date each month, I will be charged a late payment fee and the fee will be added to my balance.
  • I will develop some short- and long-term savings goals to help me reach my financial objectives.


Over the last few years, you have probably heard about a lawsuit between credit card companies and merchants about fees. Effective January 27, 2013, merchants are now legally able to apply an additional fee to your credit card purchase at checkout.

Important for consumers to know:

  • Not all merchants will apply a surcharge, and they must communicate they are charging these fees prior to processing your credit card.
     
  • The merchant must report the exact dollar of the fee charged by printing it on your receipt as part of the transaction.
     
  • There are no surcharges on debit or prepaid cards - even if you select "credit" when using your debit card.
     
  • The surcharge rate cannot be more than 4% of your purchase.
     
  • This is not instituted by Visa or MSUFCU. It is a merchant agreement and would be applied directly by the merchant you are shopping with.
     
  • Visit www.visa.com/checkoutfees for more information.