VISA PLATINUM
F1
CREDIT CARD ACCOUNT OPENING DISCLOSURE
This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
APR for Cash Advances
APR for Balance Transfers
Penalty APR and When it Applies
F2
8.75%
This APR will vary with the market based on the Prime Rate.
F3
8.75%
This APR will vary with the market based on the Prime Rate.
F4
8.75%
This APR will vary with the market based on the Prime Rate.
F5
18.00%
This APR may be applied to the entire balance on your account if you:
- Make a late payment
Paying Interest
For Credit Card Tips from the Federal
Reserve Board
Fees
Set-up and Maintenance Fees
Transaction Fees
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
How Long Will the Penalty APR Apply? If your APRs are increased
for any of these reasons, the Penalty APR will apply until you make at
least six (6) minimum payments by the payment due date as shown in
your monthly statement.
Your due date is at least 25 days after the close of each billing cycle.
We do not charge you interest on purchases if you pay your entire
balance by the due date each month. We will begin charging interest on
cash advances and balance transfers on the transaction date.
To learn more about factors to consider when applying for or using a
credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
F6
1.00%
of each transaction in U.S. dollars
Up to $25.00
F7
Up to F8
$25.00
How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).” See
your account Agreement for more details.
Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making
a payment.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your
account Agreement.
OTHER DISCLOSURES
Late Payment Fee
Returned Payment Fee
Statement Copy Fee
Document Copy Fee
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED
F9
or the amount of the required minimum payment, whichever
$25.00
is less, if you are 15 or more days late in making a payment.
F10
or the amount of the required minimum payment, whichever
$25.00
is less.
F11
$5.00
F12
$5.00
DMEAT1 (MXC450 CCM001)-e
SEE BACK OF PAGE for more important information about your account.
Collection Costs. For loans with an interest rate less than or equal to 12¼%:
Attorney's fees—If the Credit Union hires an attorney to collect the amount you owe under this Agreement, you agree to
pay reasonable attorney's fees not to exceed 15.00% of the unpaid debt.
For loans with an interest rate over 12¼%: no attorney's fees.
Periodic Rates.
The Purchase APR is F13
8.75% which is a monthly periodic rate of F14
0.7292%.
The Cash Advance APR is F15
F16
8.75% which is a monthly periodic rate of 0.7292%.
The Balance Transfer APR is F17
F18
8.75% which is a monthly periodic rate of 0.7292%.
The Penalty Rate APR is F19
F20
18.00% which is a monthly periodic rate of 1.5000%.
Variable Rate.
The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change
in the Index and will be determined by the Prime Rate on 1st day of each calendar month of each year as published in
The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL PERCENTAGE RATE will never be
greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown
as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new
index which is based upon comparable information.
Margin.
Purchases will be charged at F21
5.50% above the Index.
Cash advances will be charged at F22
5.50% above the Index.
Balance transfers will be charged at F23
5.50% above the Index.
DMEAT1 (MXC450 CCM001)-e
VISA PLATINUM
F1
CREDIT CARD ACCOUNT OPENING DISCLOSURE
This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
APR for Cash Advances
APR for Balance Transfers
Penalty APR and When it Applies
F2
10.75%
This APR will vary with the market based on the Prime Rate.
F3
10.75%
This APR will vary with the market based on the Prime Rate.
F4
10.75%
This APR will vary with the market based on the Prime Rate.
F5
18.00%
This APR may be applied to the entire balance on your account if you:
- Make a late payment
Paying Interest
For Credit Card Tips from the Federal
Reserve Board
Fees
Set-up and Maintenance Fees
Transaction Fees
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
How Long Will the Penalty APR Apply? If your APRs are increased
for any of these reasons, the Penalty APR will apply until you make at
least six (6) minimum payments by the payment due date as shown in
your monthly statement.
Your due date is at least 25 days after the close of each billing cycle.
We do not charge you interest on purchases if you pay your entire
balance by the due date each month. We will begin charging interest on
cash advances and balance transfers on the transaction date.
To learn more about factors to consider when applying for or using a
credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
F6
1.00%
of each transaction in U.S. dollars
Up to $25.00
F7
Up to F8
$25.00
How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).” See
your account Agreement for more details.
Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making
a payment.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your
account Agreement.
OTHER DISCLOSURES
Late Payment Fee
Returned Payment Fee
Statement Copy Fee
Document Copy Fee
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED
F9
or the amount of the required minimum payment, whichever
$25.00
is less, if you are 15 or more days late in making a payment.
F10
or the amount of the required minimum payment, whichever
$25.00
is less.
F11
$5.00
F12
$5.00
DMEAT1 (MXC450 CCM001)-e
SEE BACK OF PAGE for more important information about your account.
Collection Costs. For loans with an interest rate less than or equal to 12¼%:
Attorney's fees—If the Credit Union hires an attorney to collect the amount you owe under this Agreement, you agree to
pay reasonable attorney's fees not to exceed 15.00% of the unpaid debt.
For loans with an interest rate over 12¼%: no attorney's fees.
Periodic Rates.
The Purchase APR is F13
10.75% which is a monthly periodic rate of F14
0.8958%.
The Cash Advance APR is F15
F16
10.75% which is a monthly periodic rate of 0.8958%.
The Balance Transfer APR is F17
F18
10.75% which is a monthly periodic rate of 0.8958%.
The Penalty Rate APR is F19
F20
18.00% which is a monthly periodic rate of 1.5000%.
Variable Rate.
The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change
in the Index and will be determined by the Prime Rate on 1st day of each calendar month of each year as published in
The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL PERCENTAGE RATE will never be
greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown
as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new
index which is based upon comparable information.
Margin.
Purchases will be charged at F21
7.50% above the Index.
Cash advances will be charged at F22
7.50% above the Index.
Balance transfers will be charged at F23
7.50% above the Index.
DMEAT1 (MXC450 CCM001)-e
VISA PLATINUM
F1
CREDIT CARD ACCOUNT OPENING DISCLOSURE
This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
APR for Cash Advances
APR for Balance Transfers
Penalty APR and When it Applies
F2
11.75%
This APR will vary with the market based on the Prime Rate.
F3
11.75%
This APR will vary with the market based on the Prime Rate.
F4
11.75%
This APR will vary with the market based on the Prime Rate.
F5
18.00%
This APR may be applied to the entire balance on your account if you:
- Make a late payment
Paying Interest
For Credit Card Tips from the Federal
Reserve Board
Fees
Set-up and Maintenance Fees
Transaction Fees
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
How Long Will the Penalty APR Apply? If your APRs are increased
for any of these reasons, the Penalty APR will apply until you make at
least six (6) minimum payments by the payment due date as shown in
your monthly statement.
Your due date is at least 25 days after the close of each billing cycle.
We do not charge you interest on purchases if you pay your entire
balance by the due date each month. We will begin charging interest on
cash advances and balance transfers on the transaction date.
To learn more about factors to consider when applying for or using a
credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
F6
1.00%
of each transaction in U.S. dollars
Up to $25.00
F7
Up to F8
$25.00
How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).” See
your account Agreement for more details.
Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making
a payment.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your
account Agreement.
OTHER DISCLOSURES
Late Payment Fee
Returned Payment Fee
Statement Copy Fee
Document Copy Fee
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED
F9
or the amount of the required minimum payment, whichever
$25.00
is less, if you are 15 or more days late in making a payment.
F10
or the amount of the required minimum payment, whichever
$25.00
is less.
F11
$5.00
F12
$5.00
DMEAT1 (MXC450 CCM001)-e
SEE BACK OF PAGE for more important information about your account.
Collection Costs. For loans with an interest rate less than or equal to 12¼%:
Attorney's fees—If the Credit Union hires an attorney to collect the amount you owe under this Agreement, you agree to
pay reasonable attorney's fees not to exceed 15.00% of the unpaid debt.
For loans with an interest rate over 12¼%: no attorney's fees.
Periodic Rates.
The Purchase APR is F13
11.75% which is a monthly periodic rate of F14
0.9792%.
The Cash Advance APR is F15
F16
11.75% which is a monthly periodic rate of 0.9792%.
The Balance Transfer APR is F17
F18
11.75% which is a monthly periodic rate of 0.9792%.
The Penalty Rate APR is F19
F20
18.00% which is a monthly periodic rate of 1.5000%.
Variable Rate.
The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change
in the Index and will be determined by the Prime Rate on 1st day of each calendar month of each year as published in
The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL PERCENTAGE RATE will never be
greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown
as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new
index which is based upon comparable information.
Margin.
Purchases will be charged at F21
8.50% above the Index.
Cash advances will be charged at F22
8.50% above the Index.
Balance transfers will be charged at F23
8.50% above the Index.
DMEAT1 (MXC450 CCM001)-e
VISA PLATINUM
F1
CREDIT CARD ACCOUNT OPENING DISCLOSURE
This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
APR for Cash Advances
APR for Balance Transfers
Penalty APR and When it Applies
F2
14.75%
This APR will vary with the market based on the Prime Rate.
F3
14.75%
This APR will vary with the market based on the Prime Rate.
F4
14.75%
This APR will vary with the market based on the Prime Rate.
F5
18.00%
This APR may be applied to the entire balance on your account if you:
- Make a late payment
Paying Interest
For Credit Card Tips from the Federal
Reserve Board
Fees
Set-up and Maintenance Fees
Transaction Fees
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
How Long Will the Penalty APR Apply? If your APRs are increased
for any of these reasons, the Penalty APR will apply until you make at
least six (6) minimum payments by the payment due date as shown in
your monthly statement.
Your due date is at least 25 days after the close of each billing cycle.
We do not charge you interest on purchases if you pay your entire
balance by the due date each month. We will begin charging interest on
cash advances and balance transfers on the transaction date.
To learn more about factors to consider when applying for or using a
credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
F6
1.00%
of each transaction in U.S. dollars
Up to $25.00
F7
Up to F8
$25.00
How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).” See
your account Agreement for more details.
Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making
a payment.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your
account Agreement.
OTHER DISCLOSURES
Late Payment Fee
Returned Payment Fee
Statement Copy Fee
Document Copy Fee
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED
F9
or the amount of the required minimum payment, whichever
$25.00
is less, if you are 15 or more days late in making a payment.
F10
or the amount of the required minimum payment, whichever
$25.00
is less.
F11
$5.00
F12
$5.00
DMEAT1 (MXC450 CCM001)-e
SEE BACK OF PAGE for more important information about your account.
Collection Costs. For loans with an interest rate less than or equal to 12¼%:
Attorney's fees—If the Credit Union hires an attorney to collect the amount you owe under this Agreement, you agree to
pay reasonable attorney's fees not to exceed 15.00% of the unpaid debt.
For loans with an interest rate over 12¼%: no attorney's fees.
Periodic Rates.
The Purchase APR is F13
14.75% which is a monthly periodic rate of F14
1.2292%.
The Cash Advance APR is F15
F16
14.75% which is a monthly periodic rate of 1.2292%.
The Balance Transfer APR is F17
F18
14.75% which is a monthly periodic rate of 1.2292%.
The Penalty Rate APR is F19
F20
18.00% which is a monthly periodic rate of 1.5000%.
Variable Rate.
The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change
in the Index and will be determined by the Prime Rate on 1st day of each calendar month of each year as published in
The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL PERCENTAGE RATE will never be
greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown
as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new
index which is based upon comparable information.
Margin.
Purchases will be charged at F21
11.50% above the Index.
Cash advances will be charged at F22
11.50% above the Index.
Balance transfers will be charged at F23
11.50% above the Index.
DMEAT1 (MXC450 CCM001)-e
VISA PLATINUM
F1
CREDIT CARD ACCOUNT OPENING DISCLOSURE
This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
APR for Cash Advances
APR for Balance Transfers
Penalty APR and When it Applies
F2
17.75%
This APR will vary with the market based on the Prime Rate.
F3
17.75%
This APR will vary with the market based on the Prime Rate.
F4
17.75%
This APR will vary with the market based on the Prime Rate.
F5
18.00%
This APR may be applied to the entire balance on your account if you:
- Make a late payment
Paying Interest
For Credit Card Tips from the Federal
Reserve Board
Fees
Set-up and Maintenance Fees
Transaction Fees
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
How Long Will the Penalty APR Apply? If your APRs are increased
for any of these reasons, the Penalty APR will apply until you make at
least six (6) minimum payments by the payment due date as shown in
your monthly statement.
Your due date is at least 25 days after the close of each billing cycle.
We do not charge you interest on purchases if you pay your entire
balance by the due date each month. We will begin charging interest on
cash advances and balance transfers on the transaction date.
To learn more about factors to consider when applying for or using a
credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
F6
1.00%
of each transaction in U.S. dollars
Up to $25.00
F7
Up to F8
$25.00
How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).” See
your account Agreement for more details.
Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making
a payment.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your
account Agreement.
OTHER DISCLOSURES
Late Payment Fee
Returned Payment Fee
Statement Copy Fee
Document Copy Fee
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED
F9
or the amount of the required minimum payment, whichever
$25.00
is less, if you are 15 or more days late in making a payment.
F10
or the amount of the required minimum payment, whichever
$25.00
is less.
F11
$5.00
F12
$5.00
DMEAT1 (MXC450 CCM001)-e
SEE BACK OF PAGE for more important information about your account.
Collection Costs. For loans with an interest rate less than or equal to 12¼%:
Attorney's fees—If the Credit Union hires an attorney to collect the amount you owe under this Agreement, you agree to
pay reasonable attorney's fees not to exceed 15.00% of the unpaid debt.
For loans with an interest rate over 12¼%: no attorney's fees.
Periodic Rates.
The Purchase APR is F13
17.75% which is a monthly periodic rate of F14
1.4792%.
The Cash Advance APR is F15
F16
17.75% which is a monthly periodic rate of 1.4792%.
The Balance Transfer APR is F17
F18
17.75% which is a monthly periodic rate of 1.4792%.
The Penalty Rate APR is F19
F20
18.00% which is a monthly periodic rate of 1.5000%.
Variable Rate.
The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change
in the Index and will be determined by the Prime Rate on 1st day of each calendar month of each year as published in
The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL PERCENTAGE RATE will never be
greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown
as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new
index which is based upon comparable information.
Margin.
Purchases will be charged at F21
14.50% above the Index.
Cash advances will be charged at F22
14.50% above the Index.
Balance transfers will be charged at F23
14.50% above the Index.
DMEAT1 (MXC450 CCM001)-e