USC Credit Union Blog

USC Credit Union Blog

Cyber Monday Shopping Tips

Cyber Monday Shopping Tips

Black Friday sometimes seems over-rated. Why leave the comfort of your own home when you can do all your shopping online during Cyber Monday? Here are some tips to make the most of your spree. Happy shopping!

Prepare Your Checkout Codes in Advance

Imagine this: you’re finally ready to checkout and the clock is ticking down. You forgot to check for a promo code and find yourself frantically googling one. By the time you are able to finish checking out, the product SELLS OUT! Don’t let this be you. Save yourself from this frustration by doing a little bit of preparation beforehand. For a comprehensive list of offers and coupon codes, click here.


This is easy to do for Cyber Monday since there are many price comparison extensions for your browser that will automatically inform you of cheaper prices from different retailers. Sometimes there might be a hidden deal you missed. (Don't forget to check the retailer's reliability though)!

Check Delivery Information

Make sure you know the cost of shipping and the time your order will be delivered. Sometimes the item may seem like a bargain but then have outrageous shipping prices or won't ship in time for the holidays.

Stay Safe

Watch out for phishing scams. If an offer seems too good to be true, it probably is. Also, make sure that you are always processing your orders on both a secure Wi-Fi network and site. You wouldn’t want important credit card information leaked just for discounted jeans.

Shop with a Credit Card

It's safer to shop with a credit card because you can dispute charges that are not yours. This can prevent fraudulent purchases whereas with debit cards and prepaid gift cards, you lose that amount of money.

If you don't have a credit card (or are paying a high-rate on store cards), consider applying for a USC Credit Union Platinum Rewards MasterCard! For every $1 spent you earn a point towards an exciting rewards selection. Our card comes with 0% APR* for your first 15 billing cycles for purchases & balance transfers made within 6 months of opening your account. After that, a Variable APR that’s currently 11.15% to 18.15% APR (Rewards Card) and 9.15% to 16.15% APR (Platinum Card) will apply.  If you already have a card with the USC Credit Union, enjoy even more savings with 0% APR¹ for 6 months on everything you purchase Friday through Monday!


 *APR (Annual Percentage Rate) is effective August 1, 2017 and is subject to change. Your regular variable rate is determined by creditworthiness and payment history, and may vary. The minimum monthly interest charge is $0.50. The 0.00% APR for purchases and balance transfers made during the qualifying transaction period within the first 6 months of account opening. All purchases, net of returns, qualify for the promotional APR. The promotional rate will remain in effect until the end of the 15th billing cycle billing cycle after account opening, thereafter, the standard rate of 9.15% to 16.15% for purchases and balance transfer applies. Except for existing USC Credit Union loans, all balance transfers qualify for the promotional APR. There is a 2% Balance Transfer Fee of the total amount transferred per transaction or $10, whichever is greater. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit to confirm eligibility. This promotional rate is available for a limited time, and rates and terms are subject to change without notice. Click here for full disclosure.

¹APR (Annual Percentage Rate) is a promotional rate and is available for purchases made on or after 12:00:00 A.M. on November 24, 2017 thru on or before 11:59:59 P.M. on November 27, 2017. Purchases made outside of this date and time-frame are subject to the standard APR for purchases. Promotional rate remains in effect until the end of the May 2018 billing cycle. Any remaining balance from purchases made using the promotional APR will revert to the standard APR for purchases. The standard APR for purchases is determined by creditworthiness, payment history, is variable, and may change. The minimum monthly interest charge is $0.50. This promotional rate is for purchases only and may not be used for balance transfers or cash advances. All Credit Union loan programs, rates, terms and conditions are current as of August 1, 2018 and are subject to change at any time without notice. Call us at (877) 670-5860 for current rates, terms and conditions.

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