Truity Federal Credit Union
VISA ® Partner Signature Rewards Credit Card Program This Program Provides a Credit Limit of $5,000 or more
VISA Partner Signature Rewards
The information regarding costs of the VISA® Partner Signature Rewards Credit Card is accurate as of ______________. This information may change after that date. To find out what may have changed, call us at 800.897.6991, write to us at P.O. Box 1358, Bartlesville, OK 74005-1358, or visit www.TruityCU.org.
Interest Rates and Charges · The due date for this card is the 4 th of the month.
Introductory Annual Percentage Rate (APR) for Purchases, Cash Advances, (including, but not limited to, Balance Transfers, Convenience Checks and ATM Withdrawals) · 0% APR for the first 12 months from card open date. Excludes existing Truity credit card balances. After 12 months, your APR will be variable based on your creditworthiness 1 and the Prime Rate, currently 14.24% - 18.00%
Annual Percentage Rate (APR) for Purchases · 14.24% - 18.00% APR variable based on your creditworthiness 1 and the Prime Rate
How to Avoid Paying Interest on Purchases · Your due date is 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.
Paying Interest on Cash Advances, Balance Transfers, Convenience Checks and ATM Withdrawals · These transactions accrue interest upon posting on your account. We will begin charging interest on these transactions on the transaction date.
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: www.consumerfinance.gov/learnmore
Fees
Annual Fee · None
Transaction Fees
Cash Advance, Balance Transfer, Convenience Check and ATM Withdrawal Fee Duplicate Merchant Sales Slip Duplicate Copy of Billing Statement Replacement Card Stop Payment Fee (Convenience Checks) Foreign Transaction Fee · 3% of the Transaction Amount or $10, whichever is greater $5.00 $3.00 (Research $25 per hour) $10.00 (in excess, of 1 per year) $28.00 None
Penalty Fees
Late Payment Fee Return Payment Fee · $28.00 (5 days past the Due Date) $28.00
How We Will Calculate Your Balance : We use a method called 'average daily balance' for both purchases and cash advances (including new transactions). See your Cardholder Agreement for more details.
Prime Rate : Your variable rates may change when the Prime Rate changes. We calculate variable rates by adding a margin based on your creditworthiness to the Prime rate published in The Wall Street Journal on the 25th day of each month. If the will take effect on the first day of your January, April, July and October billing periods.
