VISA BUSINESS CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT TINKER FEDERAL CREDIT UNION - VISA BUSINESS
Interest Rates and Interest Charges
ANNUALPERCENTAGERATE (APR) for Purchases · Your APRwillbe 14.50% to 18.00% , basedonyour creditworthiness at the time of account opening. TheAPR will vary with the market based on the Prime Rate.
APR for Balance Transfer · Your APRwillbe16.50%to18.00%, basedonyour creditworthiness at the time of account opening. The BalanceTransferAPR is up to 2% higher than the APR for Purchases and will vary with the market based on the Prime Rate.
APR for Cash Advances · Your APRwillbe16.50%to18.00%, basedonyour creditworthiness at the time of account opening. The BalanceTransferAPR is up to 2% higher than the APR for Purchases and will vary with the market based on the Prime Rate.
Penalty APR and when it applies · None
Paying Interest · 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. Wewill begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge · None
ForCreditCard 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
Set-Up and Maintenance Fees ● Annual Fee · None
Transaction Fees ● Balance Transfer Fee ● Cash Advance Fee ● Foreign Transaction · 2.50% 2.00% 1% of each transaction in U.S. dollars.
Penalty Fees ● Late Payment ● Returned Check Fee ● Over Credit Limit · Up to $22 -If your minimum monthly payment is not received by us on the due date on your monthly statement, we may impose a late fee of up to $22 which will be reflected on the following monthly statement. Up to $20 - the Credit Union may charge a return check fee for each one-party return by a bank or other depository institution of a dishonored check, negotiable order of withdrawal or share draft issued by cardholder(s) as payment on the credit card account. None
Other Fees ● Statement Copy ● Ticket Copy ● Card Replacement Fee · $2 - the Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing statement(s). The Credit Union may charge for each duplicate copy of requested sales slip(s). $25 - Travel and Entertainment documents $6 - Original sales slip $5 - Photocopy of sales slip $13 - the Credit Unionmay charge for each credit card that is reissued prior to the current cards expiration date.
How We Will Calculate Your Balance : We use a method called 'Average Daily Balance (including new purchases).' See the INTEREST CHARGE CALCULATION METHODS section of this cardholder agreement for more details.
Billing Rights : Information on your rights to dispute transactions and how to exercise those rights is included in this cardholder agreement under the YOUR BILLING RIGHTS section.
Your account must be open to receive a Year-End Purchase Summary and to use other program benefits.
