PLATINUM MASTERCARD
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
Paying Interest
For Credit Card Tips from the Federal
Reserve Board
Fees
Annual Fee
- Annual Fee
Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
F2
2.99%
Introductory APR for 180 days from the issuance of
the card. When the discounted period expires, the APR on existing
balances will increase to the new non-discount rate on first day of the
billing cycle.
F3
After that your APR will be 10.90%.
F4
Introductory APR for 180 days from the issuance of the card.
2.99%
When the discounted period expires, the APR on existing balances will
increase to the new non-discount rate on first day of the billing cycle.
After that your APR will be 10.90%.
F5
F6
Introductory APR for 180 days from the issuance of the card.
2.99%
When the discounted period expires, the APR on existing balances will
increase to the new non-discount rate on first day of the billing cycle.
After that your APR will be 10.90%.
F7
F8
None
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.
F9
None
F10
None
F11
None
F12
None
F13
None
Up to F14
$25.00
Up to F15
$25.00
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, ALL RIGHTS RESERVED
DOKCD1 (MXC450 CCM000)-e
SEE BACK OF PAGE for more important information about your account.
OTHER DISCLOSURES
Late Payment Fee
Returned Payment Fee
Statement Copy Fee
Document Copy Fee
Rush Fee
Returned Convenience Check Fee
Stop Payment Convenience Check Fee
F16
$25.00
is less.
F17
$25.00
is less.
F18
$10.00
F19
$10.00
F20
$27.50
F21
$25.00
F22
$25.00
or the amount of the required minimum payment, whichever
or the amount of the required minimum payment, whichever
Collection Costs for Credit Unions Lending to Borrowers in Oklahoma. You promise to pay all costs of collecting the
amount you owe under this Agreement. These costs include reasonable attorney's fees not in excess of F23
of the
15.00%
unpaid debt after default and referral to an attorney, not a salaried employee of the Credit Union, unless you borrowed
F24
or less at an interest rate greater than F25
$1,000.00
10.00% per year.
Periodic Rates.
The Purchase APR is 10.90%.
F26
which is a monthly periodic rate of F27
0.9083%.
The Introductory Purchase APR is 2.99%
F28
which is a monthly periodic rate of F29
0.2492%.
The Cash Advance APR is F30
F31
10.90%. which is a monthly periodic rate of 0.9083%.
The Introductory Cash Advance APR is F32
which is a monthly periodic rate of 0.2492%.
F33
2.99%
The Balance Transfer APR is F34
10.90%. which is a monthly periodic rate of F35
0.9083%.
The Introductory Balance Transfer APR is F36
which is a monthly periodic rate of 0.2492%.
F37
2.99%
DOKCD1 (MXC450 CCM000)-e