APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · Your APR will be 7.15 to 18.00 based on your creditworthiness.This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers · Your APR will be 7.15 to 18.00 , based on your creditworthiness.This APR will vary with the market based on the Prime Rate.
APR for Cash Advances · 8.15 to 18.00, when you open your account, based on your creditworthiness.This APR will vary with the market based on the Prime Rate.
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 - Cash Advance Fee - Foreign Transaction Fee · $10.00 or 3.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $25.00) 1.oo% of each transaction in U.S.dollars
Penalty Fees - Late Payment Fee - Returned Payment Fee · Up to $25.00 Up to $30.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account. Any existing balances on AMOCO Federal Credit Union loan or credit card accounts are not eliaible for the Introductorv APR for balance transfers.
Effective Date
The information about the costs of the card described in this application is accurate as of: October 1, 2019 This information may have changed after that date. To find out what may have changed, contact the Credit Union.
