Credit Card Disclosures
Visa Cash Back
APGFCU Visa Cash Back Credit Card ® ®
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · 0 % introductoryAPR for 15 months from the date of account opening for purchases that have been submitted to your account within the 90th calendar day from account opening for the Cash Back card. Conditions apply. For purchases completed after the 90th calendar day, yourAPR will be 14.74 % - 17.99 % based on your creditworthiness at the time you opened your account. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers · 14.74 % - 17.99 % 0 % introductoryAPR for 15 months from the date of account opening for balance transfers that have been submitted to your account within the 90th calendar day from account opening for the Cash Back card. Conditions apply. For balance transfers completed after the 90th calendar day, yourAPR will be 14.74 % - 17.99 % based on your creditworthiness at the time you opened your account. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Cash Advances, Convenience Checks and Overdraft Advances (if enrolled) · 14.74 % - 17.99 % YourAPR will be based on your creditworthiness and credit card type at the time you open your account. This APR will vary with the market based on the Prime Rate.
PenaltyAPR andWhen it Applies · 18.00 % ThisAPR mayapplyto your account if you: Are over sixty (60) days past due; or Make a payment that is returned and causes your account to be over sixty (60) days past due. Howlongwill the PenaltyAPR apply? IfyourAPRs are increased for either of these reasons, the PenaltyAPR may apply indefinitely.
HowtoAvoid Paying Interest on Purchases · Your due date is at least twenty-five (25) days after the close of each billing cycle. We will not charge you interest on purchases if you pay the entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, convenience checks, and overdraft advances (if enrolled), on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to considerwhen applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http:/ /www.consumerfinance.gov/learnmore .
Fees
Annual Fee · None
Transaction Fees Cash Advance Foreign Transaction Overdraft Protection Advance (if enrolled) Balance Transfer · $2 Upto 1 % of the transaction amount in U.S. dollars. $5 3 % of the amount of each transaction will be assessed on all submitted balance transfer requests within the first ninety (90) calendar days of account opening at the 0 % introductoryAPR that has been posted to your account. $0 for each transaction that posts to your account after ninety (90) calendar days of account opening. You will be charged your standard variable rate APR.
Penalty Fees Late Payment Returned Payment · Upto $25 Upto $20
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
