F1
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
Penalty APR and When it Applies
Paying Interest
Minimum Interest Charge
For Credit Card Tips from the Consumer
Financial Protection Bureau
Fees
Set-up and Maintenance Fees
- Annual Fee
- Account Set-up Fee
- Program Fee
- Participation Fee
- Additional Card Fee
- Application Fee
Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee
Platinum: 10.9% • Classic: 12.9%
F2
based on your creditworthiness.
Platinum: 10.9% • Classic: 12.9%
F3
Platinum: 10.9% • Classic: 12.9%
F4
N/A
F5
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.
N/A
F6
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
F7
None
F8
None
F9
None
F10
None
F11
None
F12
None
F13
None
F14
Up to 1% of each transaction in U.S. dollars
F15
None
F16
$18.50
Up to F17
None
F18
$5.00
Up to F19
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.
©CUNA Mutual Group 2009, 10, 12 All Rights Reserved
01300424-MXC45-C-1-010816 (MXC453 CCM003)-e
SEE NEXT PAGE for more important information about your account.
OTHER DISCLOSURES
Late Payment Fee
Returned Payment Fee
Statement Copy Fee
Document Copy Fee
Rush Fee
Emergency Card Replacement Fee
PIN Replacement Fee
Card Replacement Fee
Unreturned Card Fee
Card Recovery Fee
Pay-by-Phone Fee
$18.50 or the amount of the required minimum payment,
whichever is less, if you are 10 or more days late in making a
payment.
$5.00 or the amount of the required minimum payment,
whichever is less.
$1.00 per page
$1.00 per page
N/A
N/A
N/A
$10.00
N/A
N/A
None
Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement,
including court costs and reasonable attorney’s fees.
Periodic Rates:
The Purchase APR is 12.9% which is a daily periodic rate of 0.035% for the Classic card
The Balance Transfer APR is 12.9% which is a daily periodic rate of 0.035% for the Classic card
The Cash Advance APR is 12.9% which is a daily periodic rate of 0.035% for the Classic card
The Purchase APR is 10.9% which is a daily periodic rate of 0.029% for the Platinum card
The Balance Transfer APR is 10.9% which is a daily periodic rate of 0.029% for the Platinum card
The Cash Advance APR is 10.9% which is a daily periodic rate of 0.029% for the Platinum card
The minimum monthly payment for the Classic/Platinum card is 3% of the total new balance but not less
than $20 plus the amount of any unpaid prior payments due. Payments of $10,000 or greater may not be
part of your available credit for three (3) business days. Your payment is due the 18th of every month.
CURewards® Terms and Conditions: Earn 1 point per dollar spent on purchases; returns will be
deducted from the bonus point calculation. There is no limit to the amount of points you can earn.
(Platinum only).