CREDIT CARD ACCOUNT OPENING DISCLOSURE
®
This Disclosure 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 Balance Transfers
APR for Cash Advances
Paying Interest
For Credit Card Tips from the Consumer
Financial Protection Bureau
Fees
Annual Fee
- Annual Fee
Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee
9.90%
F1
5.90%
F2
Introductory APR for a period of 12 billing cycles.
9.90% .
After that your APR will be F3
9.90%
F4
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. We will begin charging interest on
balance transfers and cash advances on the transaction date.
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.
None
F5
None
F6
None
F7
None
F8
Up to $25.00
F9
None
F10
Up to $27.00
F11
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See
your account Agreement for more details.
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
Rush Fee
PIN Replacement Fee
Card Replacement Fee
Pay-by-Phone Fee
F12
or the amount of the required minimum payment, whichever is
$25.00
less, if you are seven or more days late in making a payment.
F13
or the amount of the required minimum payment, whichever is
$27.00
less.
F14
per document
$5.00
F15
per page
$5.00
F16
$35.00
F17
$10.00
F18
$30.00
F19
$10.00
Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including
reasonable attorney's fees not in excess of 15.00% of the unpaid debt and all court costs.
©CUNA Mutual Group 2009, 10, 12 All Rights Reserved
01007756-MXC45-P-1-071116 (MXC453 CCM003)-e
SEE NEXT PAGE for more important information about your account.
Periodic Rates:
The Purchase APR is 9.90%
F20
which is a monthly periodic rate of F21
0.8250% .
The Introductory Balance Transfer APR is 5.90%
F22
which is a monthly periodic rate of 0.4917%
F23
.
The Balance Transfer APR is 9.90%
F24
which is a monthly periodic rate of 0.8250%
F25
.
The Cash Advance APR is 9.90%
F26
which is a monthly periodic rate of 0.8250%
F27
.
01007756-MXC45-P-1-071116 (MXC453 CCM003)-e