| VISA Credit Card Application & Solicitation Disclosure |
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Interest Rates and Interest Charges
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| Annual Percentage Rates (APR) for Purchases |
Platinum: 7.61% Classic:10.11%
These APRs will vary with the market based on the 13-Week U.S. Treasury bill.
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| APR for Cash Advances and Balance Transfers |
Platinum: 7.61% Classic: 10.11%
These APRs will vary with the market based on the 13-Week U.S. Treasury bill.
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| Penalty APR and when it applies |
No penalty rates
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| Minimum Interest charge |
None
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| 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 each month.
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| For credit card tips from the Federal Reserve Board |
To learn more about the factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at:
http://www.federalreserve.gov/creditcard
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| Fees |
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| Annual Fee |
None
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Transaction fees:
Cash Advance fee
Balance Transfer fee
Foreign Transaction fee
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None
None 1% of the transaction in U.S. dollars
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Penalty fees:
Late Payment fee
Returned Payment fee
Over limit fee
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$25 if you are 11 or more days late
$25
None
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