DADE COUNTY FEDERAL CREDIT UNION
1500 NW 107th Ave Doral, FL 33172
VISA PLATINUM AND VISA SECURED APPLICATION AND SOLICITATION DISCLOSURE
(305) 471-5080 (800) 299-7147 Fax: (786) 845-3150 www.dcfcu.org
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · Visa Platinum 8 . 65 % to 17.90% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Secured 1 3 . 65 %to 17.90% This APR will vary with the market based on the Prime Rate.
APR for Cash Advances · Visa Platinum 8 . 65 % to 17.90% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Secured 1 3 . 65 %to 17.90% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers · Visa Platinum 8 . 65 % to 17.90% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Secured 1 3 . 65 %to 17.90% This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies · None
Minimum Interest Charge · None
How to Avoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. We do not charge you 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.co n sumerfinance.gov/learnmore
Fees
Transaction Fees Cash Advance Fee Foreign Transaction Fee · $5.00 or 2.00% of the advance (Maximum Fee: $100.00 ) 1.50% of each transaction in U.S. dollars
Penalty Fees Late Payment Fee Over-the-Credit Limit Fee Returned Payment Fee · Up to $35.00 Up to $35.00 Up to $35.00
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 January 1, 2010 . This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee
Over-the-Credit Limit Fee
Returned Payment Fee
Replacement Card Fee Statement Copy Fee Rush Fee
$25.00 or the amount of the required minimum payment, whichever is less. In the event you fail to make a payment on time in any of the six (6) billing cycles following the violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.
$25.00 or the amount of the transaction exceeding your credit limit, whichever is less. In the event you exceed your credit limit in any of the six (6) billing cycles following the violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less, if new balance less any fees is more than $1.00 over your credit limit. $25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in any of the six (6) billing cycles following the violation, you will be charged $35.00 or the amount of the required minimum payment.
$10.00 per card $2.00 $25.00
