CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT
P.O. Box 4000 · Spokane Valley, WA 99037 800.433.1837 · 509.535.7613
THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, SECURED VISA, VISA GOLD, VISA LUNA, AND VISA PLATINUM AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR SECURED VISA, VISA GOLD, VISA LUNA, AND VISA PLATINUM CREDIT CARDS, AND/OR OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
Interest Rate and Interest Charges
Annual Percentage Rate (APR) For Purchases VISA Luna:
_______%
This APR will vary with the market based on the Prime Rate.
VISA Platinum:
_______%
This APR will vary with the market based on the Prime Rate.
___________________________________________:
VISA Luna:
_______%
This APR will vary with the market based on the Prime Rate.
VISA Platinum:
_______%
This APR will vary with the market based on the Prime Rate.
___________________________________________: ___________ %
VISA Luna:
_______%
This APR will vary with the market based on the Prime Rate.
VISA Platinum:
_______%
This APR will vary with the market based on the Prime Rate.
___________________________________________: ___________ %
Up to 18.00%
The APR may be applied if You:
1) Make a late payment;
2) Are otherwise in default under this Agreement.
How Long Will The Penalty APR Apply? If Your APRs are increased for these reasons, for transactions that You make prior to the effective date of the increase, the Penalty Rate will apply until You make the next six consecutive minimum payments when due. For transactions that You make after the effective date of the increase, the Penalty Rate may be applied indefinitely.
VISA Platinum: _______%
The APR may be applied if You:
1) Discontinue Direct Deposit
How Long Will The Penalty APR Apply? If Your APR is increased for this reason the Penalty Rate may be applied indefinitely.
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. We will begin charging interest on cash advances and balance transfers on the transaction date.
Annual Percentage Rate (APR) For Balance Transfers
Annual Percentage Rate (APR) For Cash Advances
Penalty APR And When it Applies
Paying Interest
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.
SEE TOP OF PAGE 2 for more important information about Your Account
___________ %
