APPLICATION AND SOLICITATION DISCLOSURE
VISA PLATINUM PREFERRED
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 11.74% 18%
APR for Balance Transfers · to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 11.74% 18%
APR for Cash Advances · to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 11.74% 18%
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.
For Credit Card Tips from the Consumer Financial Protection Bureau · 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.
Fees
Annual Fee - Annual Fee · None
Transaction Fees - Balance Transfer Fee - Cash Advance Fee - Foreign Transaction Fee · None None 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 · Up to $29.00 Up to $29.00
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: This information may have changed after that date. To find out what may have changed, contact the Credit Union. May 1st, 2023
For California Borrowers, the Visa Platinum Preferred is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
