VISA® CREDIT CARD DISCLOSURES
EFFECTIVE DATE 09/28/2023
VISA ® PLATINUM · VISA ® PLATINUM REWARDS · VISA ® SIGNATURE
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases · Your APRwill be between 12.65% and 17.99% when you open your account, based on your creditworthiness. The APR will vary with the market based on the Prime Rate.* · Your APRwill be between 14.65% and 17.99% when you open your account, based on your creditworthiness. The APR will vary with the market based on the Prime Rate.* · Your APR will be between 16.65% and 17.99% when you open your account, based on your creditworthiness. The APR will vary with the market based on the Prime Rate.*
APRfor Balance Transfers · 3.99% introductory APR for 12-months from account opening. After that, your APRwill be from 12.65% and 17.99% whenyou open your account, based on your creditworthiness. The APRwill vary with the market based on the Prime Rate.* · 3.99% introductory APR for 12-months from account opening. After that, your APRwill be from 14.65% and 17.99% when you open your account, based on your creditworthiness. The APRwill vary with the market based on the Prime Rate.* · 3.99% introductory APR for 12-months from account opening. After that, your APRwill be from 16.65% and 17.99% when you open your account, based on your creditworthiness. The APRwill vary with the market based on the Prime Rate.*
APRforCash Advances · Your APRwill be between 12.65% and 17.99% whenyou open your account, based on your creditworthiness. The APRwill vary with the market based on the Prime Rate.* · Your APRwill be between 14.65% a nd 17.99% whenyou open your account, based on your creditworthiness. The APRwill vary with the market based on the Prime Rate.* · Your APR will be up to: 17.99% when you open your account, based on your creditworthiness. The APR will vary with the market based on the Prime Rate.*
PenaltyAPRand When It Applies · 17.99% This APRmaybeappliedto your account if you: 1) Make a late payment: or 2) Makeapaymentthatis returned. HowLongWillthePenaltyAPRApply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. · 17.99% This APRmaybeappliedto your account if you: 1) Make a late payment: or 2) Makeapaymentthatis returned. HowLongWillthePenaltyAPR 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. · 17.99% This APRmaybeappliedto your account if you: 1) Make a late payment: or 2)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
VISA ® PLATINUM · VISA ® PLATINUMREWARDS · VISA ® SIGNATURE
Annual Fee · None · None · None
Transaction Fees • Balance Transfer • Cash Advance • Foreign Transactions · Either $10 or 3% of the amount of each transfer, whichever is greater. Either $10 or 3% of the amount of each cash advance, whichever is greater. 1.0% of each foreign transaction in a · Either $10 or 3% of the amount of each transfer, whichever is greater. Either $10 or 3% of the amount of each cash advance, whichever is greater. 1.0% of each foreign transaction in currency other than U.S. dollars. 0.8% of each foreign transaction in · Either $10 or 3% of the amount of each transfer, whichever is greater. Either $10 or 3% of the amount of each cash advance for ATM cash advances only, whichever is
greater.
currency other than U.S. dollars. 0.8% of each foreign transaction in U.S. dollars. · a U.S. dollars. · None
Penalty Fees • Late Payment • Returned Payment · Up to $37 Up to $37 · Up to $37 Up to $37 · Up to $37 Up to $37
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.
