Interest Rate and Interest Charges
Annual Percentage Rate (APR) For Purchases
Annual Percentage Rate (APR) For Balance Transfers
Annual Percentage Rate (APR) For Cash Advances
Paying Interest
For Credit Card Tips from the Consumer Financial Protection Bureau
Fees
Transaction Fees
• Cash Advance
• Balance Transfer
• Convenience Check
Penalty Fees
• Late Payment
• Returned Payment
CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
THIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA SIGNATURE CREDIT CARD. PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders).
After that, Your APR will be ________% . This APR will vary with the market based on the Prime Rate.
00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders).
After that, Your APR will be ________% . This APR will vary with the market based on the Prime Rate.
00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders).
After that, Your APR will be ________% . This APR will vary with the market based on the Prime Rate.
Your due date is at least 23 days after the close of each billing cycle. We will not charge You interest on purchases if You pay Your entire balance owed each month by the payment due date. We will begin charging interest on cash advances and balance transfers on the transaction date.
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.
Either 2.00% of the advance or $10.00 , whichever is greater ( $100.00 maximum)
Either 2.00% of the transfer or $10.00 , whichever is greater ( $100.00 maximum)
Either 2.00% of the check or $10.00 , whichever is greater ( $100.00 maximum)
Up to $27.00
Up to $27.00
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).' See Your Account Agreement for details.
Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.
I
n this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean the JUSTICE Federal Credit Union. The words "You" and "Your" mean each person who accepts this Agreement or uses the VISA Signature Credit Card. "Account" means the VISA Signature Credit Card Account established for You. The words "Credit Card" or "Card" mean any VISA Signature Credit Card issued to You by Us and any duplicates and renewals. If this is a joint account, read singular pronouns in the plural.
You understand the following terms constitute the Agreement:
PROMISE TO PAY. Your Account may be accessible through a variety of means which could include advance request forms, vouchers, checks, charge slips, Credit Cards and the like. Regardless of the access means, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.
JOINT ACCOUNTS. Each Cardholder will be responsible, jointly and severally, for the repayment of amounts owed. You understand that any Card which is requested and approved, will be mailed only to the primary Cardholder at the address that We have on file for You. We may refuse to follow any instructions which run counter to this provision.
OWNERSHIP. All access devices remain Our property and may be cancelled by Us at any time without notice. You agree to surrender any such access device and to discontinue its use immediately upon Our request.
