Be Merry! Be Bright! Be Rewarded with our 2.99% APR Visa Retail Purchase Promotion! Use your Chiphone Visa credit card anytime between October 15 and December 31, 2020 and pay a fixed interest rate of 2.99% APR on those retail purchases for 12 months. Previous balance will not be effected by this promotion. All Chiphone Visa credit card holders are eligible for this promotion. Does not apply to Balance Transfers. For details, call (574) 294-3606 or visit any branch location.