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Visa Credit Card Disclosure

Gulf Winds Credit Union Visa Platinum Rewards, Visa Platinum, and Visa Secured Credit Card Application and Solicitation Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Cash Advances & Balance Transfers


Visa Platinum Rewards

Your Standard APR will be:
9.90%, 10.90%, 12.90%, 15.90%, or 17.90%
depending on your credit history.


Visa Platinum

Your Standard APR will be:
6.90%, 7.90%, 9.90%, 12.90%, or 17.90%
depending on your credit history.


Visa Secured

Your Standard APR will be:
9.00%
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  

Fees to Open or Maintain your Account

•Annual Fee:

•Application Fee:

 
 
 

None

None

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
1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion

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


Up to $25.00 if your payment is returned for any reason

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”