Visa Credit Card Disclosure
Gulf Winds Credit Union Visa Platinum Rewards, 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, Cash Advances & Balance Transfers |
Your Standard APR will be:
Your Standard APR will be:
Your Standard APR will be: |
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| Paying Interest | Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. | |
| Minimum Interest Charge | None | |
| For Credit CardTips 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 | ||
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Fees to Open or Maintain your Account •Annual Fee: •Application Fee: |
None None |
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Transaction Fees •Balance Transfer: •Cash Advance: •Foreign Transaction: |
None None 1% of each transaction in U.S. dollars if the transaction involves a currency conversion |
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Penalty Fees •Late Payment: •Over-the-Credit Limit: •Returned Payment: |
Up to $20.00 if your payment is late Up to $20.00 if you exceed your credit limit
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How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”