CREDIT CARD IMPORTANT DISCLOSURES
Interest Rates and Interest Charges
Visa Rewards Plus · DineroVisa · Savings SecuredVisa
0.00% for twelve billing cycles from the date of account opening.
Annual Percentage Rate (APR) for Purchases · After that,yourAPR will be 8.90% to 14.90% based on your creditworthiness. · After that,yourAPR will be 9.90% · After that,yourAPR will be 16.90%
0.00% for first twelve months of each balance transfer.
APR for Balance Transfers · After that,yourAPR will be 8.90% to 14.90% , based on your creditworthiness. · After that,yourAPR will be 9.90% · After that,yourAPR will be 16.90%
APR for Cash Advances · 8.90% to 14.90% , based on your creditworthiness. · 9.90% · 16.90%
PenaltyAPR and When it Applies · NotApplicable
Paying Interest · Your due date is at least 25 days after the close of each billing cycle.We will not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit CardTips 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 · None
Transactions Fees • Cash Advance • Balance Transfer • Foreign Transaction · None None None
Penalty Fees • Late Payment · Up to $25
• Returned Payment · Up to $25
How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases).' See the Card Agreement for more details.
The information about the costs of the cards described in this form is accurate as of March 1, 2017. This information may have changed after that date.T o find out what may have changed, write to us at Advancial Federal Credit Union, Lending Department, 1845 Woodall Rodgers Fwy., Ste. 1300, Dallas,TX 75201 or call us at 800.322.2709.
