VISA® SHARE SECURED CREDIT CARD DISCLOSURES
EFFECTIVE DATE 09/28/2023
VISA® SHARE SECURED – NON-VARIABLE RATE (Available in all markets except AK and WA) INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases · Your APRwill be between 10.90% and 17.90% when you open your account, based on your creditworthiness.
APR for Balance Transfers · 3.99% introductory APRfor 12-months from account opening. After that, your APR will be from 10.90% and 17.90% when you open your account, based on your creditworthiness.
APR for Cash Advances · Your APRwill be between 10.90% and 17.90% when you open your account, based on your creditworthiness.
Penalty APR and When It Applies · 17.99% This APR may be applied to your account if you: 3)Make a late payment: or 4) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
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 Advance • Foreign Transactions · Either $10 or 3.0% of the amount of each transfer, whichever is greater (maximum fee: $100 ). Either $10 or 3.0% of the amount of each cash advance, whichever is greater (maximum fee: $100 ). 1.0% of each foreign transaction in a currency other than U.S. dollars. 0.8% of each foreign transaction in U.S. dollars.
Penalty Fees • Late Payment
Up to $10 if balance is less than or equal to $1000.00; Up to $20 if balance is $1000.01 to $1250.00; Up to $25 if balance is $1250.01 or greater. Up to $30
• Returned Payment
How We Will Calculate Your Balance: We will use a method called 'average daily balance (including new purchases).' See your account agreement for more details. Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
The above information is current as of 9/28/2023 and is subject to change after that date. Please contact us at 7812 Edinger Ave, Huntington Beach, CA 92647 or 800.444.6327 if you wish to ascertain changes, if any, to the Credit Union's Visa ® Credit Card program.
