Gulf Winds Credit Union 220 E Nine Mile Rd Pensacola, FL 32534-3121 (850) 479-9601 GoGulfWinds.com
IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of _______________ . You can contact us toll free at (800) 650-6328 or the number or address on above to inquire if any changes occurred since the effective date. 2/1/2021
INTEREST RATESand INTEREST CHARGES:
VISA PLATINUMREWARDS · VISA PLATINUM · VISA SECURED
Annual Percentage Rate (APR) for Purchases, Cash Advances, & Balance Transfers · depending on your credit history. 9.90%, 10.90%, 12.90%, 15.90%, or 17.90% · 6.90%, 7.90%, 9.90%, 12.90%, or 17.90% depending on your credit history. · 9.00%
Paying Interest · Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance
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
Transaction Fees - Balance Transfer: - Cash Advance: - Foreign Transaction: · None None 1% of each transaction in U.S. dollars if the transaction involves a currency conversion 1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion
Penalty Fees - Late Payment: - Over-the-Credit Limit: - Returned Payment: · Up to $20.00 if your payment is late Up to $20.00 if you exceed your credit limit Up to $30.00 if your payment is returned for any reason
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
