VISA PLATINUM AND VISA CLASSIC
APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases VISA Platinum: 9.99% - 18.99%
when you open your account, based on your creditworthiness.

VISA Secured: 9.99%
APR for Cash Advances VISA Platinum: 9.99% - 18.99%
when you open your account, based on your creditworthiness.

VISA Secured: 9.99%
APR for Balance Transfers VISA Platinum: 9.99% - 18.99%
when you open your account, based on your creditworthiness.

VISA Secured: 9.99%
Paying Interest 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.
For Credit Card Tips from the Federal Reserve Board 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.consumerfinance.gov/learnmore.
Minimum Payment
3.00% of the total new balance, or $15.00 whichever is greater
Fees
Annual Fee
Transaction Fees
  • Cash Advance Fee
  • Foreign Transaction Fee
None

2.00% of the balance or $10.00 whichever is higher
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
Penalty Fees
  • Late Payment Fee
  • Returned Payment Fee
$15.00 after 15 days
$30.00

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

Card Express Delivery $50.00
Card Replacement Fee $10.00
PIN Express Delivery $50.00
PIN Replacement Fee $10.00

CONTINUE TO THE APPLICATION

Member Cellular Discounts with Sprint