When do I have to decide if I want to convert to an Arrowhead Visa®?
You can choose to accept or reject your new Arrowhead Visa by July 31.
Will my existing balance be at my current rate or my new Arrowhead rate?
If you choose to accept the Arrowhead Visa, your existing balance will remain at your current interest rate. Any future purchases or transfers will be at a variable rate, which will be specified in your change in terms letter.
What if I don't want to convert to an Arrowhead Visa?
You can choose to reject the Arrowhead Visa until July 31.
If so, you will still be responsible for paying your Desert Communities Visa balance as agreed, but after 4:00pm PDT on August 26, 2019, no additional transactions will be permitted.
Your remaining card balance will continue to be managed under your existing terms.
When will my Desert Communities cards deactivate?
Your credit card will deactivate on August 26 at 4:00pm PDT.
Do I need to update automatic payments?
If your automatic payment is made using your Desert Communities credit card, we recommend you pay in advance for any payments scheduled late August to early September.
Once your Arrowhead Visa is activated, you can set up update/setup automatic payments with your new information.
What is the difference between the Arrowhead Visa and my current Visa?
If you have an Arrowhead Checking account, you can use your Visa as an overdraft source.
The Arrowhead Visa also offers no annual fee, no balance transfer fee, no cash advance fee, plus you'll get your FICO® score free, updated monthly on your statements.
Will my payment date change?
Your payment due date will be on the 25th of each month.
Can I use my Arrowhead Visa as overdraft from my checking?
Yes, a great feature of the Arrowhead Visa is that you can use it as overdraft for your checking account.
Starting August 27, you can set this up in Online Banking or call us at (800) 743-7228.
How do I make my Desert Communities credit card payment after August 1, but before it becomes an Arrowhead Visa?
You can make your payment in a Desert Communities branch or by mail, to the address you usually send your payment to.
When will I receive my Arrowhead Visa?
All credit cards will be mailed mid-August. If you don’t receive yours by August 25, please call us at (800) 743-7228.