VyStar Credit Union • P.O. Box 45085 • Jacksonville, FL 32232-5085
(904) 777-6000 or (toll free) 1-800-445-6289 • www.vystarcu.org
Platinum Visa®
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate
(APR) for Purchases
9.85%, 11.25% or 14.25% when you open your account based on your
creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
9.85%, 11.25% or 14.25% This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
9.85%, 11.25% or 14.25% This APR will vary with the market based on the Prime Rate.
How to Avoid Paying
Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on
purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the
Consumer Financial
Protection Bureau
To learn more about factors to consider when applying for or using a credit card,
visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore
FEES
Transaction Fees:
• Balance Transfers
• Cash Advances
• Foreign Transactions
NONE
NONE
NONE
Penalty Fees:
• Late Payment
• Returned Convenience Check
• Returned Payment
up to $25.00
up to $25.00
up to $25.00
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Variable Rate Information: Variable Annual Percentage Rate (APR) is tied to The Wall Street Journal Prime Rate plus a margin. The
APR is subject to change monthly on the first day of each billing cycle to reflect any change in the Index. The Index used to determine the APR is the U.S. Prime Rate shown
in the "Money Rates" section of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The APR is determined by adding
together the index and the margin applicable to the card type. Any change in the APR will take effect on the first day of the statement cycle following the determination date.
The APR will never be greater than 18.00%. Any increase in the APR 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.
The APR for Purchases, Cash Advances and Balance Transfers is determined by adding 5.85%, 7.25%, or 10.25% to the Index for Platinum Visa rate. New purchases,
balances transfers a n d cash advances will accrue interest at the applicable variable rate. Currently the Index (Prime Rate) is 4.00%.
Effective Date. The information about the costs of the card described in this application/solicitation is accurate as of April 1, 2017. This information may have changed after
that date. To find out what may have changed, contact VyStar Credit Union at (904) 777-6000, option 2 or toll free at 1-800-445-6289, option 2.
OTHER DISCLOSURES:
Late Payment Fee:
Statement Copy Fee:
Rush Fee:
Emergency Card Replacement Fee:
Convenience or Balance Transfer Check Copy Fee:
Convenience or Balance Transfer Check Stop Payment Fee:
up to $25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or
more days late in making a payment.
$5.00
$25.00
Actual Cost
$2.00
$15.00
Rev. 04/01/17