700 Patroon Creek Blvd. Albany, NY 12206 800-727-3328 www.broadviewfcu.com
IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of ________________. You can contact us toll free at the number or address above to inquire if any changes occurred since the effective date. New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods: https://www.dfs.ny.gov/consumers/credit_debt or (800) 342-3736.
INTEREST RATESand INTEREST CHARGES:
Annual Percentage Rate (APR) for Purchases · % CSEA Classic · Platinum % · Classic Secured %
APR for Balance Transfers · %
APR for Cash Advances · % · %% · %%
Penalty APR and When it Applies · None
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. We will begin charging interest on balance transfers and cash advances on the date the balance transfer or cash advance is posted to your account.
Minimum Interest Charge · None
For Credit Card Tips from the Consumer Financial Protection Bureau · Tolearn 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:
Fees to Open or Maintain your Account • Annual Fee: • Application Fee: · None None
• Balance Transfer: • Cash Advance: • Foreign Transaction: Transaction Fees · None None None
• Late Payment: • Over-the-Credit Limit: Penalty Fees • Returned Payment: · $ Up to $ or the amount of the required minimum payment, whichever is less, if your or less, if you are 15 or more days late in making a payment. % of the amount of the required minimum payment, whichever is None
payment is returned for any reason.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
