Esl credit card application

The ESL Visa Credit Card offers an incredible 0% Intro APR 1 for a full 12 months, then a low ongoing rate of 13.50%-17.99% APR 1 — an ideal option for debt consolidation. There’s more money to be saved with no balance transfer or cash advance fees. 1 You also get easy account management with online and mobile banking. And Visa’s worldwide convenience for shopping anywhere, anytime.

If I carry a balance, it’s great to have no interest charges 1 for the first year and a low rate after that.

Apply online and receive a response immediately.

• Save money with our 0% Intro APR 1 for 12 months.
• Save even more with our low ongoing rate of 13.50%-17.99% APR. 1
• No annual fees. 1
• No fees for balance transfers. 1
• Easily manage your ESL Visa Credit Card in Mobile/Online Banking with enhanced tools like:
  • Instant card activation
  • Immediately turn your credit card off or on
  • Add your credit card to your digital wallet
  • Access card information without needing your physical card
  • And much more…learn more about managing your credit card with Mobile/Online Banking

  There’s More to the Story . all this comes free with your ESL Visa Credit Card:

  • Additional and replacement cards.
  • Emergency message service.
  • Medical and legal referral assistance.
  • Lost luggage assistance.
  • Emergency ticket replacement and other travel and emergency assistance.
  • Warranty manager with easy-to-use warranty registrations.
  • Extended warranty protection.
  • Auto rental insurance automatically covering vehicle damage or theft up to the full value of most vehicles when you rent a car with your ESL visa credit card.
  • Visa Account Updater (VAU) — Visa will automatically update your card information with participating merchants.

  1: Rates subject to credit evaluation. Annual Percentage Rate (APR) is variable and may increase. 0.00% is fixed for 12 billing cycles from account open date. After that, Prime Rate + 5.00% up to Prime Rate + 14.24% to determine the Purchase and Balance Transfer Rates. Maximum APR is 17.99%. As of [current prime rate date] , the Prime Rate was [current prime rate] . Foreign transaction fees may apply. VISA is a registered trademark of Visa International Service Association and used under license. Please see our disclosure for complete details on the terms and conditions of your ESL Visa Credit Card Account.
  2: Visa Zero Liability Policy does not apply to ATM transactions or to PIN transactions not processed by Visa.
  3: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.

  • Credit lines are available from $500 to $25,000
  • Easily activate your card online or by calling 866.820.6039
  • To report a lost or stolen ESL Visa Credit Card, call 866.820.6039
  • For fraud and transaction disputes, call 866.820.6039
  • Maximum daily ATM withdrawal: $600
  • No prepayment penalties

  Additional Payment Information

  If you have a balance on your ESL Visa Credit Card, your minimum payment will be 2.0% of the outstanding balance with a $30 minimum payment.

  To help you simplify budgeting and financial management, your monthly payment is due on the same date each month. You can choose from a variety of convenient payment options:

  • Automatic payments from your checking or savings account at ESL or any financial institution
  • Use ‘Pay Balance’ or ‘Make a Payment’ online to make one-time payments or set up automatic payments.
    • Mobile Banking: tap ‘More’ then ‘Credit Card & Rewards’
    • Online Banking: click I’d like to… then Manage Credit Card & uChoose Rewards
    • Payments will post to your credit card account the same day if it’s made by 6 p.m. ET.
    • When you use ‘Transfer’ to make your payment, the amount is deducted from your ESL Checking or Savings account immediately but may take 1-2 days to post to your credit card account.

    You can also connect with an ESL Representative who will be happy to assist you in making a payment transaction.

    1: Rates subject to credit evaluation. Annual Percentage Rate (APR) is variable and may increase. 0.00% is fixed for 12 billing cycles from account open date. After that, Prime Rate + 5.00% up to Prime Rate + 14.24% to determine the Purchase and Balance Transfer Rates. Maximum APR is 17.99%. As of [current prime rate date] , the Prime Rate was [current prime rate] . Foreign transaction fees may apply. VISA is a registered trademark of Visa International Service Association and used under license. Please see our disclosure for complete details on the terms and conditions of your ESL Visa Credit Card Account.
    2: Visa Zero Liability Policy does not apply to ATM transactions or to PIN transactions not processed by Visa.
    3: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.