VISA PLATINUM/VISA SECURED
F1
APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
Visa Platinum
8.95%
F2
17.95%
to F3
when you open your account, based
on your creditworthiness.
Visa Secured
8.95%
F4
APR for Balance Transfers
17.95%
to F5
when you open your account, based
on your creditworthiness.
Visa Platinum
3.00%
F6
Introductory APR for a period of six billing cycles.
8.95%
After that your APR will be F7
creditworthiness.
17.95% , based on your
to F8
Visa Secured
3.00%
F9
Introductory APR for a period of six billing cycles.
APR for Cash Advances
How to Avoid Paying Interest on Purchases
For Credit Card Tips from the Consumer
Financial Protection Bureau
Fees
Set-up and Maintenance Fees
- Additional Card Fee
Transaction Fees
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee
8.95% to F11
17.95% , based on your
After that your APR will be F10
creditworthiness.
Visa Platinum
8.95%
17.95% when you open your account, based on your
F12
to F13
creditworthiness.
Visa Secured
8.95%
17.95% when you open your account, based on your
F14
to F15
creditworthiness.
Your due date is at least 30 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.
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.
$10.00
F16
(one-time fee)
$1.00
F17
1.00%
F18
of each transaction in U.S. dollars
$25.00
Up to F19
$20.00
Up to F20
$25.00
Up to F21
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Effective Date:
The information about the costs of the card described in this application is accurate as of F22
November 1, 2013.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
©CUNA Mutual Group 2009, 10, 12 All Rights Reserved
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SEE NEXT PAGE for more important information about your account.
OTHER DISCLOSURES
Late Payment Fee
Over-the-Credit Limit Fee
Returned Payment Fee
Returned Convenience Check Fee
Statement Copy Fee
Document Copy Fee
Rush Fee
Emergency Card Replacement Fee
PIN Replacement Fee
Card Replacement Fee
F23
or the amount of the required minimum payment, whichever is
$25.00
less, if you are one or more days late in making a payment.
F24
or the amount of the transaction exceeding your credit limit,
$20.00
whichever is less.
F25
or the amount of the required minimum payment, whichever is
$25.00
less.
F26
or the amount of the returned convenience check, whichever
$25.00
is less.
F27
$5.00
F28
$10.00
F29
$25.00
F30
$10.00
F31
$2.50
F32
$10.00
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