16320 Kensington Drive, Sugar Land, TX 77479 (281) 243-0500
www.houstonfcu.org
CREDIT CARD SOLICITATION DISCLOSURE
IF YOU ARE APPLYING FOR A CREDIT CARD, THE FOLLOWING IS YOUR REQUIRED DISCLOSURE INFORMATION - The information provided in this disclosure is accurate as of _____________________. The information may have changed after that date. To find out what may have changed call us at 877-389-3480 or write us at 16320 Kensington Drive, Sugar Land, Texas 77479. Before we approve you for a credit card, we will review your credit report, and the information you provide with your application to confirm that you meet the criteria for this offer. The full terms and conditions will be outlined in the Credit Card Agreement and Disclosure which will be sent to you with the new card(s). 3-18-2020
Interest Rates and Interest Charges
ANNUAL PERCENTAGE RATE for Purchases, Balance Transfers and Cash Advances · Visa Platinum Prime Lock - 2.99% Introductory APR for 180 days from the issuance of the card. After that our APR will be 3.25% . This APR will vary with the market based on the Prime Rate. Visa Platinum Advantage/Visa Platinum Family - 2.99% Introductory APR for 180 days from the issuance of the card. After that our APR will be 5.24% to 15.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards - 2.99% Introductory APR for 180 days from the issuance of the card. After that our APR will be 6.24% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Secured - 2.99% Introductory APR for 180 days from the issuance of the card. After that our APR will be 5.24% to 15.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Payments · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any 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.consumerfinance.gov/learnmore
Fees
Annual Fee · $50.00 Visa Platinum Prime Lock Only
Transaction Fees Cash Advance & Balance Transfers Foreign Transactions · None 1.00% of each transaction U.S. Dollars
Penalty Fees Late Payment Fee Over-the-Credit Limit Fee Returned Payment Fee · Up to $15.00 Up to $15.00 Up to $30.00
How We Will Calculate Your Balance: We use a method called 'Average Daily Balance (including new purchases)'. Variable Rates. Purchase, Cash Advances and Balance Transfer APRs are based on the Prime Rate (Index) to which we add a margin based on your creditworthiness. For Visa Platinum Advantage/Visa Platinum Family & Visa Secured accounts, the applicable margins range from 1.99% to 12.99%. For Platinum Reward accounts, the applicable margins range from 2.99% to 12.99%. The rate for the Visa Platinum Prime Lock is variable and adjusts with the Prime Rate. No margins are added to the Prime Rate for the Visa Platinum Prime Lock.
Late Payment Fee: Return Payment Fee:
Other Disclosures:
Statement Copy Fee:
If a check or share draft used to make a payment on your account is returned unpaid, you will be charged a fee, up to $30.00 for each item returned.
Document Copy Fee: Rush Fee:
If your payment is ten (10) or more days late, you will be charged up to $ 15.00.
$ 2.00
$ 5.00
$27.50
IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS
The Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent (as defined in the Military Lending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions apply during any period(s) in which you are active military or a dependent under those definitions. They do not apply when you are not an active duty member of the military or a dependent.
NOTICE: federal law provides important protections to members of the armed forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). You may call toll-free 844-351-8387 to receive oral disclosures.
Call To Report Lost or Stolen Visa® Credit Cards and Visa® CheckCard Call 1-800-682-6075 Available 24 hours a day, 7 days a week.
Call To Report Transaction Dispute
Visa® Credit Cards and Visa® CheckCard Call 1-866-OUR-HFCU (1-866-687-4328) Available Monday through Friday 8:30 a.m. - 4:30 p.m. OR
Refer to the back of your Visa® monthly statement
To Protect Your Billing Rights: Disputes need to be reported in writing detailing all pertinent information within 60 days from the receipt of the first statement when the error was discovered.
