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Gulf Winds Federal Credit Union Visa Platinum and Visa Secured Credit Card Application and Solicitation Disclosure
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Interest Rates and Interest Charges
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| Annual Percentage Rate (APR) for Purchases |
9.9%, 10.90%, 12.90%, 15.90%, or 17.90% when you open your account, based on you creditworthiness. Visa Secured 9.00% |
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| APR for Cash Advances |
Visa Platinum 9.90%, 10.90%, 12.90%, 15.90% or 17.90% when you open you account, based on your creditworthiness Visa Secured 9.00% |
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APR for Balance Transfers |
Visa Platinum 3.99% Introductory APR for 270 days from the issuance of the card. When the discounted period expires, the APR on existing balances will increase to the new non-discount rate on the first day of the billing cycle. After that your APR will be 9.90%, 10.90%, 12.90%, 15.90%, or 17.00%, based on your creditworthiness. Visa Secured 3.99% Introductory APR for 270 days from the issuance of the card. When the discounted period expires, the APR on existing balances will increase to the new non-discount rate on the first day of the billing cycle. After that your APR will be 9.00% |
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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 do not charge you interest on purchases if you pay your entire balance by the due date each month. | |
| For Credit CardTips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at www.federalreserve.gov/creditcard. | |
| Fees | ||
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Set-up and Maintenance Fees •Additional Card Fee |
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Transaction Fees Foreign Transaction Fee |
1.00% of each transaction in U.S. dollars |
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Penalty Fees •Late Payment Fee •Over-the-Credit Limit Fee •Returned Payment Fee |
Up to $20.00 Up to $20.00
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How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”
Effective Date. The information about the costs of the card described in this application is accurate as of November 1, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
| Late Payment Fee | $20.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. |
| Over-the-Credit Limit Fee | $20.00 or the amount of the transaction exceeding your credit limit, whichever is less. |
| Returned Payment Fee | $25.00 or the amount of the required minimum payment, whichever is less. |
| Statement Copy Fee | $2.00 |
| Document Copy Fee | $2.00 |
| Rush Fee | $15.00 |
| Card Replacement Fee | $5.00 |
| Convenience Check Stop Payment Fee | $25.00 |
