PLATINUM MASTERCARD/PLATINUM SECURED
MASTERCARD/PLATINUM REWARDS
MASTERCARD/PLATINUM STUDENT MASTERCARD
F1
APPLICATION AND SOLICITATION DISCLOSURE
I nt e re st Ra t e s a nd I nt e re st Cha rge s
Annual Percentage Rate (APR) for
Purchases
Platinum MasterCard
F2
2.99%
Introductory APR for a period of 12 billing cycles.
F38.90%
to F4
16.90%
,
After that your APR will be
based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.
Platinum Secured MasterCard
15.74%
F5
Platinum Rewards MasterCard
F6
9.90%
to F7
17.90%
when you open your account,
based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.
Platinum Student MasterCard
14.74%
F8
APR for Balance Transfers
Platinum MasterCard
2.99%
F9
Introductory APR for a period of 12 billing cycles.
After that your APR will be F10
to F11
8.90%
16.90% , based on your
creditworthiness. This APR will vary with the market based on the
Prime Rate.
Platinum Secured MasterCard
15.74%
F12
Platinum Rewards MasterCard
9.90%
17.90% when you open your account, based on your
F13
to F14
creditworthiness. This APR will vary with the market based on the
Prime Rate.
Platinum Student MasterCard
14.74%
F15
©CUNA Mutual Group 2009, 10, 12 All Rights Reserved
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SEE NEXT PAGE for more important information about your account.
APR for Cash Advances
Platinum MasterCard
2.99%
F16
Introductory APR for a period of 12 billing cycles.
After that your APR will be F17
to F18
8.90%
16.90% , based on your
creditworthiness. This APR will vary with the market based on the
Prime Rate.
Platinum Secured MasterCard
15.74%
F19
Platinum Rewards MasterCard
F20
to F21
9.90%
17.90% when you open your account, based on your
creditworthiness. This APR will vary with the market based on the
Prime Rate.
Penalty APR and When it Applies
Platinum Student MasterCard
14.74%
F22
Platinum MasterCard
19.00%
F23
Platinum Secured MasterCard
19.00%
F24
Platinum Rewards MasterCard
19.00%
F25
Platinum Student MasterCard
19.00%
F26
This APR may be applied to your account if you:
- Make a late payment
How to Avoid Paying Interest on Purchases
Minimum Interest Charge
For Credit Card Tips from the Consumer
Financial Protection Bureau
Fe e s
Set-up and Maintenance Fees
- Annual Fee
- Account Set-up Fee
Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
How Long Will the Penalty APR Apply? If your APRs are increased
for this reason, the Penalty APR will apply until you make six
consecutive minimum payments when due.
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.
If you are charged interest, the charge will be no less than $0.50
F27 .
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
F28
None
F29
F30
or F31
$10.00
2.00% of the amount of each balance transfer,
$50.00 )
whichever is greater (Maximum Fee: F32
F33
or F34
$10.00
2.00% of the amount of each cash advance,
$50.00 )
whichever is greater (Maximum Fee: F35
1.00%
F36
of each transaction in U.S. dollars
- Foreign Transaction Fee
Penalty Fees
Up to $35.00
F37
- Late Payment Fee
Up to $30.00
F38
- Returned Payment Fee
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Platinum MasterCard – Loss of Introductory APR: We may end your Introductory APR for purchases, balance
transfers, and cash advances and apply the Penalty APR if you are 60 days late in making a payment.
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Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making
a payment.
Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount.
Effective Date:
F39
.
The information about the costs of the card described in this application is accurate as of December
15, 2016
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee
Up
to $35.00 or the amount of the required minimum payment, whichever
F40
Returned Payment Fee
Up
to $30.00 or the amount of the required minimum payment, whichever
F41
is less, if you are one or more days late in making a payment.
Statement Copy Fee
Document Copy Fee
Rush Fee
PIN Replacement Fee
Card Replacement Fee
Pay-by-Phone Fee
Stop Payment Fee
is less.
F42
$5.00
F43
$5.00
F44
$25.00
F45
$5.00
F46
$7.50
F47
$5.00
F48
$25.00
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