Here’s How USF CU can Turbocharge Your 2024 Holiday Shopping

The Holiday shopping season is here! And this Black Friday, Darden Credit Union is going ALL OUT with some special “surprises” for all, including a new way to shop savvy with our innovative Buy Now, Pay Later program, a unique holiday cash back offer for credit card purchases (yes, free money) and more!

DCU is not just improving your shopping experience; we’re helping you make the most of your budget for the hottest gifts of the year. Get ready to shop smart, stress less, and make this Black Friday your best one yet.

Hottest Holiday Gifts

So, what’s hot this year? It’s new clothes, games and electronics, according to a statista study. Here’s a rundown of what’ll be the most popular gifts of the season:

1. Clothes (most popular)
2. Gift Cards
3. Games, Toys
4. Home Goods
5. Books

For any of the holiday gifts you’re wanting this year, DCU can help!

Buy Now, Pay Later

Our new, innovative Buy Now, Pay Later program* lets you enjoy the flexibility of spreading out payments without the stress of one large bill.

Why It’s a BIG Deal

Flexibility: With Buy Now, Pay Later, you can make purchases today and spread the cost over several weeks or months. This allows you to take advantage of Black Friday discounts without draining your budget all at once.

Frictionless Approval – Shop Sooner: No need to wait around for lengthy approvals. Members use their same card, same accounts and the approval process is seamless and frictionless.

Easier Budgeting: Instead of facing one large bill, Buy Now, Pay Later, allows you to break payments into smaller, manageable amounts, making it easier to plan your finances during the holiday season.

Here’s How DCU’s Buy Now, Pay Later Works

• Make purchases with your debit card
• Check Buy Now, Pay Later in your Digital Banking dashboard
• View available offers on eligible purchases
• Decide which purchases you would like to split over time
• Select the installment plan that works for you
• See your purchase amount deposited back into your account within 24 hours

Earn Cash with DCU Credit Card Purchases

Also this Black Friday, you can earn extra cash while you shop, dine, and celebrate with your DCU Visa credit card. From November through December, you’re automatically eligible to receive up to $60 in statement credits just by using your card!**

Here’s the breakdown:

• November: Make 30 purchases with your DCU Visa credit card and receive a $30 credit.
• December: Make another 30 purchases to earn an additional $30 credit.

If you’re not an DCU Visa credit cardholder, no worries! You can discover the benefits of our USF Rewards Visa and apply today to start earning rewards on your purchases.

Visit our special page for details.

Need Extra Cash This Holiday Season?

This holiday season, Darden Credit Union is also offering low-rate, fixed-term personal loan options tailored to fit your unique circumstances. They can give you the financial boost you need to make this holiday season stress-free.

You can take advantage of both our credit card rewards and personal loan options to maximize your holiday experience. Here’s more on our personal loans this season.

Smart Holiday Shopping

And before you begin your Black Friday shopping and start taking advantage of DCU’s special products and services, our experts shared a few “masterclass tips” to help you out:

Create a Budget: Before diving into the Black Friday frenzy, set a clear budget for your holiday shopping. This will help you make smarter purchasing decisions.

Prioritize Your Wishlist: Identify must-have items and consider using Buy Now, Pay Later for higher-ticket gifts, allowing you to take advantage of discounts.

Keep Track of Payments: Make sure to stay organized and monitor your payment schedule to avoid late fees.

Be sure to make the most of your shopping experience while keeping your budget intact with DCU. Here’s how to join DCU today!

As you gear up to save big this holiday season, remember that staying vigilant against scams is crucial. Check out our guide on avoiding holiday scams to ensure your shopping is both smart and safe.

Happy Black Friday shopping!

*Subject to member eligibility. An eligible purchase for Buy Now, Pay Later is a debit card purchase made in the past 60 days that is between $80-$2500 and was not a cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits do affect BNPL eligibility.

**Credit card account must be current and in good standing. Offer not valid for business or corporate cards. All 30 swipes must be processed on the same credit card account number and in the same month to earn a $30 credit to your USF Credit Union credit card. The promotional period ends December 31, 2024. After the promotional period, allow 6 to 8 weeks for the $30 or $60 credit to be posted to your qualified credit card account. ATM withdrawals, refunds, balance transfers and cash advance transactions do not qualify. Federally insured by NCUA.