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.


MSUFCU MyDesignSM Card Image Guidelines


Image Size

  • Picture file must be a JPEG (.jpg, .jpeg), PNG, or GIF file with a minimum size of 1033 pixels by 657 pixels.
  • Small pictures will print poorly. For best results, use larger images with higher resolutions. MSUFCU does not recommend resizing pictures smaller than 1033 pixels by 657 pixels to fit within the MyDesignSM Card dimensions.
  • We recommend using photo editing software (such as Microsoft Picture Manager, Paint, Photoshop, GIMP, etc.) to resize an image to the required dimensions.
     

Uploading Your Image

  • The larger the file size, the longer it will take to upload.
  • If creating your MSUFCU MyDesignSM Card at home, your image must be downloaded to your computer's hard drive before it can be uploaded to the MyDesignSM Visa Card Creator within ComputerLine.

 

Tips for a Successful Design

  • Review the look of your card before submitting your order to verify that the image is placed exactly how you want your card to look.
  • There may be a slight color variation between your uploaded image and the way the image appears on the printed card.
  • Pay special attention to where the MSUFCU and Visa logos and other elements such as the card number and your name are located. Make sure the main part of your image isn't covered by the logos on your MyDesignSM Card and your name and card number are visible.
  • Images that are blurry, too dark, or too light on screen will appear that way when the card is printed.

 


Official MyDesignSM Visa Card Terms and Conditions

  • You certify that you have the sole rights to use the submitted photograph and that you have obtained any necessary consent to allow Michigan State University Federal Credit Union (MSUFCU) and its affiliates to alter, copy, print, distribute, prepare and use the photograph. We will refer to MSUFCU Visa Credit Cards and Visa Debit Cards as "Card(s)" throughout these terms.
     
  • Your first MSUFCU MyDesign℠ Visa Debit or Credit Card is free. You will be charged a $5.00 fee to update/alter your MyDesign℠ Card image during each 12-month period until the card’s expiration date.
     
  • MSUFCU’s MyDesign℠ Card is available for MSUFCU Platinum, Platinum Plus, and Debit Cards. It is not available for MSUFCU Business Debit or Credit Cards, OUAA Visa Card, the Prime Advantage Visa Credit Card, or ATM cards.
     
  • MSUFCU staff must approve personal photographs to be used as your MyDesign℠ Card image. You will receive a ComputerLine eMessage, within one (1) business day with the card image’s approval status. Any image deemed unacceptable by MSUFCU will not be issued. If your image was denied, you may submit a new image for approval.
     
  • Your MSUFCU MyDesign℠ Card may not contain any of the following: trademarks, logos, slogans, company names, copyrighted material or brands from any third party; copyrighted material or branded products; celebrities, actors, musicians, public figures, cartoons, professional or collegiate sports teams or athletes; telephone numbers or addresses, web addresses, account numbers or Personal Identification Numbers (PINs); images MSUFCU deems provocative, sexual, violent or otherwise offensive; nudity or semi-nudity, profanity or obscenities; alcohol, tobacco, or firearms; any reference to Visa-sponsored events (e.g., the Olympics or Super Bowl); images which show illegal or anti-social behavior; culturally insensitive images; images that might result in the card being rejected at the point-of-sale; any image that may potentially denigrate the Visa brand; images which display the opinions of political, religious, or socially unacceptable groups (e.g., gangs, supremacy); reproduction of currency, where applicable; images that may interfere with the security features of the card; any image MSUFCU deems unacceptable to be associated with the MSUFCU brand.
     
  • Members with a first-time MSUFCU Visa Card will be issued an embossed card. Once the member received his/her MyDesign℠ Card, it is his/her responsibility to destroy the embossed card that was initially issued. Members must destroy the embossed card to protect him/herself from the risk of fraud by having two cards with the same information issued at the same time. MyDesign℠ Cards will be issued for three (3) years. The current image on your the MyDesign℠ Card will be the image used to reissue your MSUFCU MyDesign℠ Card.
     
  • MSUFCU maintains the rights to change or modify these terms and conditions at any time without notice.