Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	12.75%–16.75% variableDELTA COMMUNITY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“12.75% to 16.75%, based on your creditworthiness Your APR will vary with the market based on the Prime Rate”DELTA COMMUNITY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	12.75%–16.75% variableDELTA COMMUNITY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“12.75% to 16.75%, based on your creditworthiness This APR will vary with the market based on the Prime Rate”DELTA COMMUNITY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	12.75%–16.75% variableDELTA COMMUNITY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“12.75% to 16.75%, based on your creditworthiness This APR will vary with the market based on the Prime Rate”DELTA COMMUNITY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late payment	17.75%–21.75% variableDELTA COMMUNITY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“17.75% to 21.75%, based on your creditworthiness This APR will vary with the market based on the Prime Rate This APR may be applied to the entire balance on your account if you: - Make a late payment How Long Will the Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR will apply until you make at least six (6) minimum payments by the payment due date as shown in your m…”DELTA COMMUNITY · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Visa Platinum Application and Solicitation Disclosure (Oct)page 1 of 2

P.O. Box 20541 Atlanta, GA 30320-2541

VISA PLATINUM CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 12.75% to 16.75%, based on your creditworthiness Your APR will vary with the market based on the Prime Rate APR for Balance Transfers · 12.75% to 16.75%, based on your creditworthiness This APR will vary with the market based on the Prime Rate APR for Cash Advances · 12.75% to 16.75%, based on your creditworthiness This APR will vary with the market based on the Prime Rate Penalty APR and When it Applies · 17.75% to 21.75%, based on your creditworthiness This APR will vary with the market based on the Prime Rate This APR may be applied to the entire balance on your account if you: - Make a late payment How Long Will the Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR will apply until you make at least six (6) minimum payments by the payment due date as shown in your monthly statement. Paying Interest · 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. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge · None 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

1 2Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

DELTA COMMUNITY
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“12.75% to 16.75%, based on your creditworthiness This APR will vary with the market based on the Prime Rate”
Read exact source ↗
DELTA COMMUNITY
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“12.75% to 16.75%, based on your creditworthiness This APR will vary with the market based on the Prime Rate”
Read exact source ↗
DELTA COMMUNITY
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“17.75% to 21.75%, based on your creditworthiness This APR will vary with the market based on the Prime Rate This APR may be applied to the entire balance on your account if you: - Make a late payment How Long Will the Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR will apply until you make at least six (6) minimum payments by the payment due date as shown in your m…”
Read exact source ↗
DELTA COMMUNITY
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“12.75% to 16.75%, based on your creditworthiness Your APR will vary with the market based on the Prime Rate”
Read exact source ↗
DELTA COMMUNITY
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“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. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Balance transfer APR, Cash advance APR, Penalty APR, Purchase APR

Offered through: Delta Community Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 66357
Branches: 36 in GA, KY, TX, UT
Sources: Official issuer · 1 document · 1 page cited

Documents

Visa Platinum Application and Solicitation Disclosure (Oct)effective date not parsed

VISA PLATINUM CREDIT CARDDelta Community Credit Union · state credit union, GA · NCUA 66357

Rates and fees