Application and Solicitation Disclosure for VISA CLASSIC/VISA GOLD/VISA PLATINUM
Annual Percentage Rate (APR) for Purchases
Visa Classic
16.92%
Visa Gold
12.00%
Visa Platinum
8.95%
APR for Balance Transfers
Visa Classic
16.92%
Visa Gold
12.00%
Visa Platinum
8.95%
APR for Cash Advances
Visa Classic
16.92%
Visa Gold
12.00%
Visa Platinum
8.95%
How to Avoid Paying Interest on Purchases
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.
Minimum Interest Charge
None
For Credit Card Tips from the Consumer Financial Protection Bureau
Annual Fee
-Visa Classic
-Visa Gold
-Visa Platinum
None
None
None
Transaction Fees
-Balance Transfer Fee
-Cash Advance Fee
-Foreign Transaction Fee
None
3.00% of the amount of each cash advance (Maximum Fee : $100.00)
1.00% of each transaction in U.S. dollars
Penalty Fees
-Late Payment Fee
-Over-the-Credit Limit Fee
-Returned Payment Fee
Up to $25.00
None
Up to $25.00
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: July 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
$25.00 or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment.
Returned Payment Fee
$25.00 or the amount of the required minimum payment, whichever is less,
Emergency Card Replacement Fee
$150.00
Card Replacement Fee
$10.00