P.O. Box 200 ◆ Whittier, CA 90608-0200 (562) 698-8326 ◆ FAX (562) 698-2783 www.cusocal.org
Interest Rate and Interest Charges
Annual Percentage Rate (APR) For Purchases VISA CU SoCal Topaz:
CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTHIN-LENDING DISCLOSURE STATEMENTS, VISA CU SOCAL TOPAZ, VISA PLATINUM REWARDS AND SECURED VISA PLATINUM REWARDS AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CU SOCAL TOPAZ, VISA PLATINUM REWARDS AND SECURED VISA PLATINUM REWARDS CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
_______%
This APR may vary with the market based on the Prime Rate.
VISA Platinum Rewards:
_______%
This APR may vary with the market based on the Prime Rate.
Secured VISA Platinum Rewards:
_______%
This APR may vary with the market based on the Prime Rate.
VISA CU SoCal Topaz: _______% Introductory APR for 6 months from the date of each transfer. After that, Your APR will be ________%. This APR will vary with the market based on the Prime Rate.
VISA Platinum Rewards:
_______%
This APR may vary with the market based on the Prime Rate.
Secured VISA Platinum Rewards:
_______%
This APR may vary with the market based on the Prime Rate.
VISA CU SoCal Topaz:
_______%
This APR may vary with the market based on the Prime Rate.
VISA Platinum Rewards:
_______%
This APR may vary with the market based on the Prime Rate.
Secured VISA Platinum Rewards:
_______%
This APR may vary with the market based on the Prime Rate.
19.90%
This APR may be applied to Your Account if:
1) You make a late payment
How Long Will The Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR applied to transactions that occur after the increase may be applied indefinitely. For transactions that occurred prior to the effective date of the increase, the increase will apply indefinitely unless 6 consecutive payments are received on or before the due date during the sixmonth period following such increase.
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 owed by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date.
If You are charged interest, the charge will be no less than $0.50.
APR For Balance Transfers
APR For Cash Advances
Penalty APR and When it Applies
Paying Interest
Minimum Interest Charge
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.
Please refer to TOP OF PAGE 2 for more important information about Your Account
