Platinum Mastercard® Tips, Info & FAQs
A chip enabled card that lets you purchase products on credit
This cash back EMV credit card is incredibly easy to use. You won’t have to worry about annual fees or balance transfer fees. Simply apply, start spending, and earn 1% cash back on all purchases, automatically. And for a limited time, enjoy 0% intro APR on all purchases, balance transfers and cash advances for the first 90 days you have the card! That rate is good for one year!
3 Things You Should Know About EMV Chip Cards
In the last couple of years, cards with chips have been replacing standard magnetic cards. Here’s the reason for the switch, and what it means for you.
1. They protect against fraud
Credit card fraud is a real problem in the US, so EMV cards have been issued to help combat it. One of the difficulties with magnetic cards is that they store static data. That data is given to the machine readers each time a transaction is made, making it much easier to steal.
In contrast, EMV cards use a chip to create a unique code for every transaction. This code helps protect the information on the card from being stolen.
2. They have different regulations
For EMV cards, the person responsible for covering the charges is whomever is “least EMV compliant”. This means if you go to a store without a chip reader, then that store will be responsible in the event your information is stolen. On the other hand, if your financial institution doesn’t issue you an EMV card, then they will be held responsible for the charges instead. You should rest assured that you will not be held responsible for fraudulent or unauthorized transactions in either scenario.
3. They don’t make a difference online
Even though EMV cards offer additional protections in the real world, they don’t make a difference online. This is important to remember as you make online purchases. Always use good judgment and never enter your credit card information on a site that seems suspicious.
From our Blog
What do I need to do if my transaction won't go through and I know I still have credit available?
Contact us and we can let you know why your transaction is being declined. Common reasons include improper card number, expiration date, or security code. Be sure to double check these, especially with online purchases.
What are the minimum and maximum limits for the United Texas Platinum Mastercard?
The minimum amount you can apply for is $500. The maximum amount is $15,000.
How do I complete a balance transfer?
Contact us at (210) 561-4500, (800) 531-8456 or at firstname.lastname@example.org to request a balance transfer.
We will send you a certificate for you to complete and return to us using our secure electronic signature service. Once we receive your completed form, we’ll take care of the rest.
What is the interest rate on balance transfers?
For the first 90 days you have your card, you can enjoy 0% intro APR on your balance transfers and that rate is valid for 12 full billing cycles. Beginning with the 13th billing cycle, any promotional balances will revert to your standard rate.
For existing cardholders, balance transfers accrue interest at your standard rate.
How long does it take to get the card?
Loans are usually approved the same day. The card can take up to 7 to 10 business days to come in the mail.
Can I access this card on my mobile device?
Yes. You can access your credit card information via Online Banking, United Texas Mobile, or the MobiMoney app.
What is the grace period on my purchases?
We offer a 25-day grace period on purchases before interest is charged.
When are payments due?
All Platinum Mastercard payments are due on the 15th of the month. If you are ten days late or more in making your payment, you will incur a late fee.
What happens if I have purchases on my card that I didn't make?
Please call us and let us know about any unauthorized purchases. Rest assured you have zero liability for all unauthorized transactions on your United Texas Platinum MasterCard. Frauds/Disputes: (800) 808-6402, Monday through Friday, 7 am – 7 pm CST. Outside these hours, please call (800) 528-2273.
Do you charge a fee for cash advances?
No, we do not!
What is the rate on a cash advance?
For a limited time, new cardholders will enjoy 0% intro APR on cash advances for the first 90 days they have the card. This great rate is valid for 12 full billing cycles. Beginning with the 13th billing cycle, any promotional balances will revert to the standard rate.
For existing cardholders, cash advances accrue interest at your standard rate with no grace period.
Do you offer ID Theft protection on your cards?
Yes, we do. Visit Mastercard’s ID Theft Protection page to sign up.
Mastercard has partnered with CSID, an industry leader in identity protection and fraud detection, to help keep your information safe. Mastercard provides its U.S. cardholders with services – at no extra cost – to help detect and resolve identity theft.
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Platinum Mastercard® Rates & Calculator
|Platinum Mastercard®||as low as 8.99% APR*|
*APR = Annual Percentage Rate. Rates are effective as of April 16, 2018.
Minimum interest charge = None. Available APRs: 8.99%, 13.00% (variable), 15.00% (variable)
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Platinum Mastercard® Why United Texas
- 1% cash back on net retail purchases
- Competitive rates as low as 8.99% APR* (fixed)
- No minimums or caps on what you earn
- No annual fees**
- No balance transfer fees
I needed help with a balance transfer to a new credit card. Rick gave me all the information to help me make an informed decision. He communicated with me every step of the way. I would recommend United Texas to anyone looking for the services they offer.Katherine P., member since 2014
I needed help with a balance transfer to a new credit card. Rick gave me all the information to help me make an informed decision. He communicated with me every step of the way. I would recommend United Texas CU to anyone looking for the services they offer.
Katherine - Thanks for letting us know about your experience with Rick. We're happy that we were able to assist you with this decision. We sincerely appreciate your endorsement and your membership! Please let us know if you need anything else. We're here to help! -Karla
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Platinum Mastercard® How it Works
Signing up for a United Texas Platinum MasterCard takes only a few minutes.
STEP 1: Apply for the card
You can fill out a quick online application, or give us a call at (800) 531-8456.
STEP 2: Get approved
We’ll usually let you know if you are approved or not within 24 hours. After that, it takes between 7-10 days to get your new card in the mail.
STEP 3: Start getting cash back
You’ll get 1% cash back on all net purchases you make. This cash back is automatically applied as a statement credit on your card each month, so you don’t have to worry about transferring it.
STEP 4: Make payments online
You can make all your credit card payments online for maximum convenience.
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*APR = Annual Percentage Rate.
**Minimum interest charge = None. Available APRs: 8.99%, 13.00% (variable), 15.00% (variable)
0% Intro APR Offer – For the first 90 days you have your card, enjoy 0% intro APR on purchases, cash advances and balance transfers. Promotional rate balances will remain at 0% APR for 12 full billing cycles. Beginning with the 13th billing cycle, any remaining balance will revert to your standard rate.