Must be a Members 1st FCU member. If you have had difficulty in getting approved for unsecured credit in the past or are trying to re-establish credit, this type of credit card may be right for you. With the VISA Platinum Secured Credit Card you deposit a specific amount of money ($500 to $5,000) into a VISA Secured Savings Account. This deposit secures your line of credit. Balance Transfer Fee: 1% of the amount of each balance transfer. Cash Advance Fee: 1% of the amount of each transaction at ATMs, over-the-counter, or cash equivalent. Foreign Currency Fee: 1% of each transaction in U.S. dollars on multiple or single currency conversions. Grace Period: The due date is approximately 25 days after the close of each billing cycle; the card issuer will not charge you interest on purchases if you pay your entire balance by the due date each month. The card issuer will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date.