ACCOUNT DISCLOSURE
22.50%
22.50%
22.50%
22.50%
Interest Rates and Interest Charges · Visa®, Visa® Gold and Mastercard®
Annual Percentage Rate (APR) for Purchases · 22.50% fixed
APR for Balance Transfers · 22.50% fixed
APR for Cash Advances · 22.50% fixed
Penalty APR and When It Applies · 22.50% fixed
How to Avoid Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases, cash advances and balance transfers if you pay your entire balance by the due date each month.
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
Fees
Annual Fee · None
Transaction fees:
* Balance Transfer * Cash Advances * Foreign Transaction · None $2.75 or 4% of the transaction amount, maximum fee of $20 1% of the transaction amount when a currency conversion occurs. Visa will also impose a 0.8% fee where a currency conversion is not performed.
Penalty fees:
* Late Payment · Payments are due 25 days after the close of each billing cycle. If the minimum payment listed on your statement is not paid in full, you may receive a late fee of $15.
* Over-the-Credit Limit · None
* Returned Payment · $25.00
Other fees: · None
How we will calculate your balance: We use a method called "average daily balance (including new purchases)". *An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement documents.
Additional Information: The information about the costs described in this application is accurate as of September 27, 2023. This information may have changed after that date. To find out what may have changed, write us at PO Box 550, Vacherie, LA 70090.
