Visa Disclosure and Terms
Please review the terms and disclosure information prior to filling out the Visa card application.
Visa Platinum Credit Disclosure
| Interest Rates and Other Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 8.75% to 13.90% based on your creditworthiness. |
| APR for Balance Transfers | 8.75% to 13.90%, based on your creditworthiness. |
| APR for Cash Advances | 8.75% to 13.90%, based on your creditworthiness. |
| 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 any interest on purchases if you pay your entire balance by the due date each month. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard |
| Fees | |
|---|---|
| Annual Fees | None |
| Transaction Fees Foreign Transaction |
1% of each foreign transaction in U.S. dollars, where a currency conversion occurs. 0.8% for each foreign transaction in U.S. dollars, where a currency conversion is not performed. |
| Penalty Fees | |
| Late Payment | $20 |
| Over Limit Fee | None |
| Returned Payment | $20 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases.)"
This information about the costs of the card described in this application is accurate as of February 22, 2010. The information may have changed after that date. To find out what may have changed, call us at (810) 694-1301 or write to us at Tri-Pointe Community Credit Union, 2343 E. Hill Road, Grand Blanc, MI 48439.
