Rewards Driven Credit Card

Apply for the Rewards Driven Credit Card

Frequently Asked Questions

What credit score do I need to qualify for a credit card?

Most credit card issuers look for a fair to excellent credit score, typically ranging from 580 to 850, depending on the card. Higher scores generally increase your chances of approval and offer better interest rates.

How long does it take to get approved?

Credit card approval can take anywhere from a few minutes (for online applications) to a couple of business days, depending on the complexity of your financial situation.

Are there any fees for applying for or using the card?

There are no application fees or balance transfer fees, but there are a few fees to be aware of: [table id="1771"]

What happens if I miss a payment?

Missing a payment can lead to late fees, higher interest rates, and potential harm to your credit score. To avoid this, it’s essential to make at least the minimum payment by the due date each month. Keep in mind that any missed or delayed payments will increase your overall interest costs. Even if you make a partial payment or prepay, you will still need to pay the minimum amount due by the next scheduled due date to keep your account current. While we may accept late or partial payments, as well as checks or money orders marked "payment in full," doing so will not settle your account or waive any remaining balance.

What is the credit limit, and can it be increased?

Your initial credit limit will depend on your credit score, income, and other financial factors. After regular use and responsible payment behavior, many issuers offer credit limit increases over time.

Can I transfer balances from other credit cards?

Yes, you can! With People Driven Credit Union's Rewards Driven Credit Card, there are no balance transfer fees. You can reduce the interest you pay by transferring your high-interest credit card balances to a PDCU Rewards Driven Credit Card, all without any additional cost.

How do I report a lost or stolen Visa credit card?

If your People Driven Credit Union Visa Rewards Driven Credit Card is lost or stolen, or if you suspect unauthorized use, notify us immediately. "Unauthorized use" refers to any use of the card by someone without your permission, where you receive no benefit.
To report your Rewards Driven Credit Card as lost or stolen, call us at 844-700-7328 immediately.
After hours ONLY: Report a lost or stolen People Driven Credit Union Visa Rewards Driven Credit Card by calling 800-543-5073.
After your call, please follow up with a written notice to:

Credit Card Security Department PO Box 30035 Tampa, FL 33630

We may ask for your help in investigating the loss or unauthorized use. Your liability for unauthorized charges will only apply if it can be proven that you were negligent in handling the card or if you engaged in fraudulent use.
To report a lost or stolen PDCU ATM or Visa Debit Card, visit our FAQs on ATM/Debit card loss or theft.

How do I make a payment on my People Driven Visa credit card?

There are several convenient ways to make a payment on your People Driven Visa Credit Card:

• Online: Log into online banking, select "Transfer," choose the account you're transferring from, and select your Visa card as the transfer destination. You can also set up automatic payments to ensure you never miss a due date.
• Mobile App: Make payments directly through the PDCU mobile app.
• By Phone: Call 844-700-7328 to make a payment with a debit card or have a representative transfer a payment from your PDCU savings or checking account.
• By Mail: You can mail your payment to:
  • People Driven Credit Union 24333 Lahser Rd Southfield, MI 48033
  • Or to PO BOX 984 Southfield, MI 48037
• In Person: Visit any PDCU branch to make your payment in person.

Setting up automatic payments will ensure you never miss a due date, and you can change the frequency to suit your needs.

Disclosures

*Annual Percentage Rate (APR) for Purchases

All rates are variable and disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A lending specialist will let you know the rate you qualify for after reviewing your application documents. Rates are subject to change at any time. For details or latest rate information, contact a credit union representative.

Download the complete disclosure: Rewards Driven Credit Card disclosure and agreement.

Membership in People Driven Credit Union is open to:

Michigan Residents. Persons who reside, work, attend school or worship anywhere in the state of Michigan.

Employees or pensioners of agencies of the federal government of the United States of America who live or work in the State of Michigan, or who report to a federal agency headquarters located in the state of Michigan.

Employees or pensioners or agencies of any state, county, or local government, or any political subdivision thereof located within Wayne, Oakland or Macomb Counties, Michigan.

Employees or retired employees of the following: Ford Motor Company or Visteon Corporation, who work in Rawsonville or Wixom, MI; members of the Red Carpet Club, a retirees’ association in Washtenaw, Oakland, Macomb, Monroe or Wayne Counties, MI; Tower Automotive who work in Plymouth, MI; and Ford Utica Trim Plant.

Employees or retired employees of the following: Ford Motor Company, Visteon Corporation, Automotive Components Holdings, L.L.C. or Faurecia, who worked in Ypsilanti, Rawsonville, Saline, Milan, Highland Park, Mount Clements, Wixom, or in Shelby or Chesterfield Townships, MI or at the Ford Proving Grounds in Macomb County, Michigan; Ford New Holland; Ford Romeo Engine Plant who worked in Romeo, MI Oakman Industrial Engine Plant in Detroit, MI Johnson Controls Inc.; Hoover Automotive Systems Group who work in Utica, MI; AutoAlliance International, Inc. Mazda (North America), Inc; Mazda Research & Development of North America, Inc.; Mazda System Services and Mount Clemens Coating, Inc. who worked in Mount Clemens; and Tower Automotive who worked in Plymouth, MI.

Employees of this credit union.

Results of the merger of Sinai Health Services Credit Union, Detroit, MI, effective July 1, 1992

Results of the merger of M.E.S. Credit Union, Detroit, Michigan, effective January 1, 2004

Results of the merger of Peoples Trust Credit Union and Community Driven Credit Union, effective July 1, 2014

Results of the merger of Community Alliance Credit Union effective January 1, 2023

Members and immediate families of the foregoing.

Any legal entity that is comprised for the most part of the same general group as the membership of the credit union as outlined above.

A spouse of a deceased member if accepted into membership prior to remarriage.

Family Membership. Anyone related to a PDCU member by blood or marriage, regardless of where they live or work in the U.S.

Retirees. Anyone over age 55 (or younger, if on disability retirement) who receives a retirement annuity, pension, social security, or other retirement payment from private or government sources and lives in, or belongs to, a retirement organization located in Wayne, Oakland, Macomb, St. Clair, Lapeer, Genesee, Livingston or Washtenaw counties.