VISA Disclosure
Interest Rates and Interest Charges | Visa® Platinum |
---|---|
Annual Percentage Rate (APR) for Purchases |
6.99% up to 15.99% |
APR for Balance Transfers |
6.99% up to 15.99% |
APR for Cash Advances | 6.99% up to 15.99% Fixed - The APR that you may qualify account opening will depend on your credit worthiness. |
Penalty APR and When it Applies | 15.99% When a card is 90 days delinquent. Penalty APR is in effect until the account has been current for 6 consecutive months. |
How to Avoid Paying Interest | Your due date is at least 10 days after the close of each billing cycle. We will not charge you interest on retail purchases, cash advances, and balance transfers if you pay your entire balance by the due date. |
Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.01 |
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 | |
---|---|---|
Annual Fee |
None |
|
Transaction Fees |
|
None |
|
None | |
|
Up to 1.0% of each transaction in U.S. Dollars | |
Penalty Fees |
|
Up to $25.00 |
|
Up to $10.00 - This fee is applied when a balance is 5.0% or more over the limit. | |
|
Up to $25.00 | |
Other Fees | None |
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). *An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Military Lending Act: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts; and any participation fee charged (other than certain participation fees for a credit card account).