Silhouette Credit Cards
Whether using for entertainment, emergency, or everyday life, Silhouette is one of the most competitive credit cards in our market; allowing you the freedom to pay off high-interest credit cards, enjoy a robust cash back program and even take advantage of all new life experiences you may have been putting off.
Silhouette Mastercard Rewards
- 0% interest on balance transfers*
- 1.5% cash back on all purchases+
- No annual fee
Payment Address:
Mastercard
PO Box 4521
Carol Stream, IL 60197-4521
Customer Service: 1-800-304-5219
Report a lost or stolen card: 1-800-304-5219
Secure Your Mastercard with SecureCode.
| Terms | ||
|---|---|---|
| Annual Percentage Rate (APR) for Purchases and Balance Transfers Silhouette Mastercard Classic |
5.75% to 17.95%, based on your creditworthiness. This APR will also vary with the market based on the Prime Rate. | |
|
Annual Percentage Rate (APR) for |
8.75% to 17.95%, based on your creditworthiness. This APR will also vary with the market based on the Prime Rate. | |
| Annual Percentage Rate (APR) for Cash Advances |
18.00% | |
| How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. | |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore | |
| Fees | ||
| Annual Fee | None | |
| Transaction Fees |
Cash Advance - 3% (minimum/maximum fee: $10/$125)** Balance Transfer - 3% (minimum/maximum fee: $10/$125)** Foreign Transaction - Up to 1.5% of each transaction in U.S. dollars. |
|
| Penalty Fees |
Late Payment - Up to $25 Returned Payment - Up to $30 |
|
*The standard variable APR is U.S. Prime plus 5.75% - 17.95% based on creditworthiness. Rates are variable and subject to change at any time at Union Square Credit Union’s discretion. Intro balance transfer APR of 0% on balance transfers are from the date of first transfer for 12 months. After that, the variable rate will apply based on your creditworthiness. There is a balance transfer fee of the greater of $10 or 3% of the transferred amount up to a maximum of $125. Reward cardholder points have an expiration date of 3 years after the original date of purchase.
**Cash advance fee applies to ATM cash advances only.
+New Silhouette Mastercard Rewards accounts only.
How we will calculate your balance: We use a method called “average daily balance (including new purchases).”
The information about the costs of the card described in the Application and Agreement is accurate as of April 1, 2023. This information may have changed after that date. To find out what may have changed, write to us at Union Square Credit Union, 1401 Holliday, Wichita Falls, Texas 76301 or call us at (940) 720-8000 or toll free at 800-600-7517.