VISA PLATINUM
F1
VISA PLATINUM REWARDS
VISA SECURED
APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
Visa Platinum
F2
1.99%
Introductory APR for a period of six (6) billing cycles.
After that your APR will be 8.95%
F3
based on your creditworthiness.
to F4
17.95%
Visa Platinum Rewards
F5
1.99%
Introductory APR for a period of six (6) billing cycles.
After that your APR will be 10.95%
F6
based on your creditworthiness.
to F7
17.95%
Visa Secured
APR for Balance Transfers
F8
14.95%
Visa Platinum
F9
1.99%
Introductory APR for a period of six (6) billing cycles.
After that your APR will be 8.95%
F10
creditworthiness.
to F11
17.95%
based on your
Visa Platinum Rewards
F12
1.99%
Introductory APR for a period of six (6) billing cycles.
After that your APR will be 10.95%
F13
creditworthiness.
to F14
17.95%
based on your
Visa Secured
APR for Cash Advances
F15
14.95%
Visa Platinum
F16
1.99%
Introductory APR for a period of six (6) billing cycles.
After that your APR will be 8.95%
F17
creditworthiness.
to F18
17.95%
based on your
Visa Platinum Rewards
F19
1.99%
Introductory APR for a period of six (6) billing cycles.
After that your APR will be 10.95%
F20
creditworthiness.
to F21
17.95%
based on your
Visa Secured
How to Avoid Paying Interest on Purchases
©CUNA Mutual Group 2009, 10, 12 All Rights Reserved
F22
14.95%
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.
DCTIO0 (MXC402 CCM002)
SEE BACK OF PAGE for more important information about your account.
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
- Returned Convenience Check Fee
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.
F23
None
F24
None
F25
or 2.00%
F26
of the amount of each cash advance,
$10.00
whichever is greater
F27
of each transaction in U.S. dollars
1.00%
Up to F28
$25.00
Up to F29
$25.00
Up to F30
$25.00
Up to F31
$25.00
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”
Visa Platinum – Promotional Period for Introductory APR. The Introductory APR for purchases, balance transfers,
and cash advances will apply to transactions posted to your account during the first six (6) months following the opening
of your account.
Visa Platinum Rewards – Promotional Period for Introductory APR. The Introductory APR for purchases, balance
transfers, and cash advances will apply to transactions posted to your account during the first six (6) months following the
opening of your account.
Effective Date.
The information about the costs of the card described in this application is accurate as of F32
May 1, 2013.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee
Over-the-Credit Limit Fee
Returned Payment Fee
Returned Convenience Check Fee
PIN Replacement Fee
Pay-by-Phone Fee
Rush Fee
Design Your Own Card Fee
F33
or the amount of the required minimum payment, whichever
$25.00
is less, if you are five (5) or more days late in making a payment.
F34
or the amount of the transaction exceeding your credit limit,
$25.00
whichever is less.
F35
or the amount of the required minimum payment, whichever
$25.00
is less.
F36
or the amount of the returned convenience check,
$25.00
whichever is less.
F37
$2.00
F38
$5.00
F39
(next day delivery)
$35.00
F40
$10.00
DCTIO0 (MXC402 CCM00)-e