Credit Card Agreement Visa Classic Credit Card

Size: px
Start display at page:

Download "Credit Card Agreement Visa Classic Credit Card"

Transcription

1 Credit Card Agreement Visa Classic Credit Card Part I Interest Rates and Interest Charges Visa Annual Percentage Rate (APR) for Purchases 17.99% Fixed APR for Balance Transfers 17.99% Fixed APR for Cash Advances 17.99% Fixed Penalty APR and When it Applies How to Avoid Paying Interest on Purchases None We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month. Your due date is at least 25 days on average after the close of each billing cycle. Minimum Interest Charge If you are charged interest, the charge will be no less than $0.00 For Credit Card Tips from the Federal Reserve Board Fees Annual Fee $25.00 Transaction Fees 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 Visa Balance Transfer 3.0% of the transaction amount; $10 minimum Cash Advances 3.0% of the transaction amount; $10 minimum Foreign Transaction 1.00% of the transaction amount; no minimum Penalty Fees Late Payment $25.00 Over the Credit Limit None Returned Payment $25.00 How We Will Calculate Your Balance: We use a method called average daily balance (excluding new purchases). See Part II of this Credit Card Agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in Part II of this Credit Card Agreement. Page 1 of 6 Rev 08/14

2 Part II Introduction This is a cardmember agreement and disclosure statement ( Agreement ) between you and Skagit Bank containing the terms that will apply to your Visa Classic Credit Card Account ( Account ). In this Agreement, you, your, and Cardholder means each individual responsible for the Account. We, us, our and Issuer means Skagit Bank, the issuer of the Card and your Account creditor. Please read this Agreement carefully and keep it in a safe place to make the best use of the credit cards we issue with this Account ( Card ). The Agreement becomes effective as soon as you or someone authorized by you uses the Card or Account, but no later than 30 calendar days after we issue and you fail to return the Card. Periodic Rate The ANNUAL PERCENTAGE RATE is 17.99%. Credit Purchases Cash Advances Statement Checks Finance Charge Calculation Methods: Cash Advances You may use the Account to buy, lease or otherwise obtain goods or services from participating merchants (including transactions you initiate by mail, telephone or over the Internet). Even if you have not signed a sales draft or the merchant has Advances are transactions other than Purchases that allow you direct access to funds available through your Account. Advances may include Account transactions such as cash advances you obtain directly from us, automated teller machines ( ATMs ) or other participating financial institutions ( Cash Advances ). ATM and financial institution Advances include phone (automated phone system and 24 hour customer service assisted) and Internet From time to time, we may supply Statement Checks for use by the person(s) or drawer named on those checks. Statement Checks are drafts that look like other checks, but are drawn on credit available in your Account. Statement Checks may not be offered for all Account types. We will, in connection with any Statement Check we provide, include Offer Materials that will explain whether the Statement Check will post and be treated as an Advance or a Balance Transfer. Statement Checks must be written in U.S. dollars. A Finance Charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the Cash Advance is posted to your Account, whichever is later, and will continue to accrue until the date of payment. A Finance Charge will be imposed on Credit Purchases from the date the Credit Purchase is posted to your account and will continue to accrue until the date of payment. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance, which is determined by not supplied you with a written receipt or other proof of sale, you are responsible for all Purchases made through your Account, except as expressly limited by applicable law (see Your Billing Rights section for more details). transfers. Advances also include some Balance Transfers, Statement Checks, and Cash Equivalent Advances. Cash Equivalent Advances include transactions to acquire or initiate wire transfers, traveler s checks, cashier s checks, money orders, and foreign cash transactions. Monthly Account statements we issue may refer to Advances as an Advance, Cash, Cash Advances, or by the product or device you used to obtain an Advance. We may return a Statement Check unpaid if: (a) The credit available under your Credit Limit is less than the Statement Check amount; (b) The Account is in default; (c) The Account has not been activated; or (d) The Statement Check is improperly endorsed or otherwise fails to conform to our regularly accepted standards for check payment. Statement Checks may not be used to pay your Account or any obligation you owe us. dividing the sum of the daily balance during the billing cycle by the number of days in the cycle. Each daily balance is determined by adding to the Previous Balance (the outstanding balance of your Account at the beginning of the billing cycle) any new Cash Advances received and any new Credit Purchases posted to your Account, and subtracting any payments as received or credits as posted to your Account but excluding any unpaid Finance Charges. Page 2 of 6 Rev 08/14

3 Finance Charge Calculation Methods: Credit Purchases Minimum Periodic Payment Monthly Statements Other Fees and Charges A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the billing cycle during which such transactions are posted to your Account within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your monthly statement within that 25 day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the statement closing date (but not on Credit Purchases posted during the current billing period) and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire N Bl If the New Balance on your Account is less than $25, the minimum required payment will be the full balance. If the New Balance on your Account is greater than $25, the minimum periodic payment required is 2.5% of the New Balance OR $25, Issuer will send to Cardholder at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period all Visa Card and Related Card transactions. Such statement shall be deemed correct and accepted by Cardholder and all holders of Related Cards unless Issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay such statement by remitting to Issuer within 25 days from the closing date reflected on the statement either the full amount billed for or at Cardholder's option, an installment equal to at least the required Minimum Late Charge. If a payment of at least the amount of the minimum required payment is not received within 10 days after the Closing Date subsequent to the Payment Due Date, a Late Payment Fee of $25.00 shall be imposed. Document Fee. If a copy of any monthly statement, sales draft or similar document is provided by Issuer at Cardholder's request (other than in connection with billing error inquiries or resolution), a Document Fee in the amount of $2.00 for a monthly statement and $2.00 for a sales draft or any other document may be imposed. Express Delivery Fee. If you wish to have your card send Express Delivery, a fee of $50.00 shall be imposed. is paid in full or until the date of payment if more than 25 days from the closing date. We calculate the interest charge on your account by applying the periodic rate to the average daily balance of your account. To get the average daily balance we take the beginning balance of your account each day, and add any new [purchases/advances/fees], subtract [any unpaid interest or other finance charges and] any payments or credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide by the total number of days in the billing cycle. This gives us the average daily balance. whichever is GREATER. In addition to the minimum periodic payment you will also be required to pay the entire portion of the New Balance in excess of your credit limit and any past due amounts. Periodic Payment disclosed above. All Cardholder purchases will be made in U.S. dollars. Charges incurred in currencies other than U.S. dollars will be converted to U.S. dollars at the rate in effect at the time such charges are converted by the Issuer, its agent or other authorized party making such conversion. A foreign currency conversion fee in the amount of 1% of the purchase amount will be imposed on such transactions (all such Cards bearing the same Visa account number shall be hereinafter collectively be called "Related Cards"). Returned Payment Fee. A returned check fee in the amount of $25.00 will be imposed for each check (either paper or electronic) used in payment on the Credit Card account which is subsequently returned unpaid by the bank on which it is drawn. Replacement Card Fee. In the event any additional or replacement cards are issued for any reason other than the issuance of a renewal card, a fee in the amount of $5.00 may be imposed. Annual Fee. A non refundable annual membership fee of $25.00 shall be charged to your account. This fee is for membership in Issuer's credit card plan. Additional charges, plus applicable taxes, may also be assessed against the Cardholder as allowed by Regulation Z (The Truth in Lending Act) and state law. Page 3 of 6 Rev 08/14

4 Cardholder Liability for All Charges Cardholder Liability for Unauthorized Use Property of Issuer No Liability For Refusal To Honor Card Default Attorney's Fees Cardholder shall be liable and agrees to pay Issuer for Credit Purchases made by, or for Cash Advances extended to, Cardholder or anyone else using such Card unless the use of such Card is by a person other than the Cardholder: (a) Who does not have actual, implied or apparent authority for such use; AND (b) From which Cardholder receives no benefit. Cardholder may be liable for the unauthorized use of the Card or Related Cards as provided in this paragraph. The Cardholder will not be liable for any unauthorized use that occurs after Issuer is notified, orally or in writing at: Credit Card Security, PO Box 30495, Tampa, FL or If Cardholder has a Consumer Account or a Business Account for which less than 10 cards have been Each Card is the property of Issuer, is not transferable, and must be surrendered upon demand. Each card can be canceled as well as All Credit Purchases and Cash Advances are affected at the option of the Seller and Cash Advancing Bank, respectively, and Issuer shall not be responsible for refusal by any Seller or Cash Advancing Bank to honor the Card or any Related Card. Any refund, You will be in Default under this Agreement if any one or more of the following should occur: (a) You do not make the proper payment when due. (b) You become the subject of a voluntary or involuntary bankruptcy proceeding or other proceeding for the relief of debtors. (c) Any bank account or other property of yours is subject of an attachment, execution, or other levy. (d) You are in Default under the terms and conditions of this or any note, agreement, or contract with us or any other creditor. (e) We determine that you are no longer credit worthy. Cardholder agrees to pay all costs incurred by Issuer in collecting Cardholder's indebtedness or in enforcing this agreement, including attorney's fees and costs, as well as those costs, expenses and Additionally, Cardholder shall be jointly and severally liable and agrees to pay for all Credit Purchases and Cash Advances obtained through the use of any other Card bearing Cardholder's account number that has been issued to another person by reason of such person being a member of Cardholder's family, or otherwise issued upon Cardholder's request. issued. Cardholder's liability for unauthorized use of a card will not exceed $ If 10 or more cards are issued for use by employees of a single business or other organization, there is no limit to Cardholder's liability on its employees for unauthorized use of a Card as authorized by Federal Law and regulation. repossessed by Issuer or its designee, and the privileges thereof revoked, at any time without prior notice. adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be shown as a credit on Cardholder's account statement with Issuer. (f) If your checking account, or any checking account substituted for it, is closed by you or by us. (g) You become deceased. If you are in Default, we can then refuse to extend more credit to you under this Agreement and/or demand that you pay the outstanding balance under your Account at once. After Default, you agree to continue to carry out all of the terms of this Agreement and any changes under it until your Account is fully repaid. If you do not do so, or if we cancel your Account because you are in Default, we can declare the outstanding balance of your Account immediately due and payable without prior notice. attorney's fees incurred in appellate, bankruptcy and post judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law. Page 4 of 6 Rev 08/14

5 Monitoring In order to maintain quality service in its authorizations, security, customer service and other departments that have need to communicate with Cardholder from time to time, Issuer or its agents may monitor any telephone communications between Issuer s or its agent's employees in those departments and Cardholder, without further notice or disclosure. Modifications to Agreement Visa Rules and Regulations Applicable Law Issuer may amend or modify these terms at any time, effective forty five (45) days after written notice thereof is mailed to Cardholder at Cardholder's last known address, unless Cardholder advises Issuer of their decision to opt out. Any changes in these terms, including, without limitation, changes in the Annual Percentage Rate and the Periodic Rate, shall be effective with respect to future Credit Purchases and Cash Advances. Cardholder and Issuer agree to abide by all applicable rules and regulations of Visa USA, Inc. ("Visa ") as applicable, as well as all applicable laws. Except to the extent that Federal Law is applicable, the validity, construction and enforcement of this agreement and all matters arising out of the Issuer may, in its sole discretion, waive imposition of the fees or any other provision(s) of these terms; however, Issuer shall have no obligation to do so, and any such waiver shall be limited to the particular instance or transaction involved and shall not constitute a waiver or authorize the non observance of the same or any other provision of these terms or any other or future occasion. If there is any conflict between the provisions of this Agreement and the rules and regulations of Visa, the rules and regulations of Visa shall control. issuance and use of the Card shall be governed by the laws of the State of Washington. Page 5 of 6 Rev 08/14

6 YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, please give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your checking or savings account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your rights and our responsibilities after we receive your written notice: We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days we must either correct the error or explain why we believe the bill was correct. After we receive your letter we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill you will not have to pay any finance charges related to any questioned amount. If we didn t make a mistake you may have to pay for finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill, and, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don t follow these rules, we can t collect the first $50 of the questioned amount, even if your bill was correct. SPECIAL RULES FOR CREDIT CARD PURCHASES If you have a problem with the quality of property or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state, or if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Page 6 of 6 Rev 08/14

Credit Card Agreement Visa Platinum Rewards

Credit Card Agreement Visa Platinum Rewards Credit Card Agreement Visa Platinum Rewards Part I: Interest Rates and Interest Charges Visa Platinum Annual Percentage Rate (APR) for Purchases 8.25% to 13.25% This APR will vary with the market based

More information

Credit Card Disclosure Effective January 2, 2014

Credit Card Disclosure Effective January 2, 2014 Credit Card Disclosure Effective January 2, 2014 TRUTH IN LENDING/REGULATION Z INITIAL DISCLOSURES The Initial Disclosures required by federal law are included in this document, along with the Finance

More information

INTEREST RATE AND INTEREST CHARGES

INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate(APR) for Purchases 11.99% INTEREST RATE AND INTEREST CHARGES The APR is determined by adding a margin of 8.74% to the Prime Rate published in The Wall Street Journal in effect on

More information

MasterCard Agreement

MasterCard Agreement The terms governing the use of this account are enclosed. These terms may be amended or supplemented by separate notices to you, including any notices you have previously received from us. The disclosures

More information

ISSUED BY MEMBERS FIRST CREDIT UNION OF FL DISCLOSURES REQUIRED BY FEDERAL LAW

ISSUED BY MEMBERS FIRST CREDIT UNION OF FL DISCLOSURES REQUIRED BY FEDERAL LAW ISSUED BY MEMBERS FIRST CREDIT UNION OF FL DISCLOSURES REQUIRED BY FEDERAL LAW VISA PLATINUM WITH ANNUAL FEE 1. FINANCE CHARGES: a) Calculation Methods - Cash Advance: A Credit Purchases: G (See reverse

More information

PERIODIC FINANCE CHARGE CALCULATION METHODS

PERIODIC FINANCE CHARGE CALCULATION METHODS PERIODIC FINANCE CHARGE CALCULATION METHODS The periodic Finance Charge calculation Method applicable to your account for cash Advances and Credit purchases of goods and services that you obtain through

More information

VISA BUSINESS CREDIT CARD DISCLOSURES REQUIRED BY FEDERAL LAW

VISA BUSINESS CREDIT CARD DISCLOSURES REQUIRED BY FEDERAL LAW VISA BUSINESS CREDIT CARD DISCLOSURES REQUIRED BY FEDERAL LAW 1. FINANCE CHARGES: a) Calculation Methods Cash Advance: A Credit Purchases: G (See reverse side for calculation method descriptions) b) Periodic

More information

MASTERCARD DISCLOSURES REQUIRED BY FEDERAL LAW

MASTERCARD DISCLOSURES REQUIRED BY FEDERAL LAW MASTERCARD DISCLOSURES REQUIRED BY FEDERAL LAW 1. FINANCE CHARGES: a) Calculation Methods Cash Advance: A Credit Purchases: G (See reverse side for calculation method descriptions) b) Periodic Rates used

More information

MasterCard Credit Card Disclosures

MasterCard Credit Card Disclosures MasterCard Credit Card Disclosures Annual Percentage Rate (APR) for Purchases 12.99% Fixed APR for Balance Transfers 19.99% Fixed APR for Cash Advances 19.99% Fixed Penalty APR and When it Applies: None

More information

The Periodic Finance Charge on Credit Purchases is calculated as follows:

The Periodic Finance Charge on Credit Purchases is calculated as follows: In this Agreement the words you and your mean each and all of those who agree to be bound by this Agreement; Card means the VISA Credit Card and any duplicates, renewals, or substitutions that the Credit

More information

Town & Country Federal Credit Union Visa CREDIT CARD AGREEMENT

Town & Country Federal Credit Union Visa CREDIT CARD AGREEMENT Town & Country Federal Credit Union Visa CREDIT CARD AGREEMENT In this Agreement the words you and your mean each and all of those who apply for the card or who sign the application. Card means a Visa

More information

9.18% $0 $0 Up to 1% of each transaction in U.S. dollars.

9.18% $0 $0 Up to 1% of each transaction in U.S. dollars. Account Opening Disclosures Premium Rate Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances Paying Interest For Credit Card Tips from the

More information

12.90-18.00% when you open your account. This APR

12.90-18.00% when you open your account. This APR DuPont Community Credit Union MasterCard Platinum Credit Card Agreement Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for 6 monthly statement periods

More information

MANISTIQUE FEDERAL CREDIT UNION CREDIT CARD AGREEMENT AND DISCLOSURES

MANISTIQUE FEDERAL CREDIT UNION CREDIT CARD AGREEMENT AND DISCLOSURES MANISTIQUE FEDERAL CREDIT UNION CREDIT CARD AGREEMENT AND DISCLOSURES Is this Agreement the words you and your mean each and all of those who agree to be bound by this Agreement; Card means a VISA credit

More information

0% Introductory APR* for 6 billing cycles. 11.90% APR 0% Introductory APR for 6 billing cycles.

0% Introductory APR* for 6 billing cycles. 11.90% APR 0% Introductory APR for 6 billing cycles. Bridge Credit Union Platinum Visa Rewards Credit Card Account Agreement Important Pricing and Terms information Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Cash

More information

Travis County Credit Union MasterCard Credit Card Agreement & Truth in Lending Disclosure

Travis County Credit Union MasterCard Credit Card Agreement & Truth in Lending Disclosure Travis County Credit Union MasterCard Credit Card Agreement & Truth in Lending Disclosure Please retain for personal records This is your MasterCard Credit Card Agreement and Truth-In-Lending disclosure.

More information

VISA. Classic. Credit Card. Agreement and Disclosure Statement. Classic. Federally insured by NCUA

VISA. Classic. Credit Card. Agreement and Disclosure Statement. Classic. Federally insured by NCUA Classic The Partnership FCU MAILING ADDRESS For ALL correspondence, deposits & loan payments PO Box 18539 Washington DC 20036-8539 VISA Classic Credit Card Member Services & Loans Audio Response ADVANTAGE

More information

VISA CREDIT CARD REGULATIONS

VISA CREDIT CARD REGULATIONS 1. Agreement. These regulations govern the possession and use of credit cards ( card ) issued by The Bank of Tampa ( Issuer ). Each person who applies for a credit card and in whose name the card is issued

More information

191 Ella Grasso Turnpike Windsor Locks, CT 06096 (800) 544-4728 (860) 627-4200 Fax: (860) 627-4224www.360fcu.org

191 Ella Grasso Turnpike Windsor Locks, CT 06096 (800) 544-4728 (860) 627-4200 Fax: (860) 627-4224www.360fcu.org 191 Ella Grasso Turnpike Windsor Locks, CT 06096 (800) 544-4728 (860) 627-4200 Fax: (860) 627-4224www.360fcu.org VISA CREDIT CARD AGREEMENT In this Agreement the words you and your mean each and all of

More information

VISA CREDIT CARD APPLICATION AGREEMENT & TRUTH-IN-LENDING DISCLOSURE STATEMENT

VISA CREDIT CARD APPLICATION AGREEMENT & TRUTH-IN-LENDING DISCLOSURE STATEMENT VISA CREDIT CARD APPLICATION AGREEMENT & TRUTH-IN-LENDING DISCLOSURE STATEMENT In this agreement (called the "Agreement"), the words "we", "us" and "our" mean Zeal Credit Union and its successors and assignees.

More information

VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement

VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement This is your Cardholder Agreement with Provident Credit Union which outlines the terms to

More information

PRIME + 6.74% - PRIME + 14.74% based on your creditworthiness

PRIME + 6.74% - PRIME + 14.74% based on your creditworthiness Southwest 66 Credit Union 4041 E 52 nd Street, Odessa, TX 79762 CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT FOR YOUR MASTERCARD/VISA ACCOUNT Interest Rates and Interest Charges Annual Percentage Rate

More information

9.90% CHIROPRACTIC FEDERAL CREDIT UNION VISA GOLD CREDIT CARD AGREEMENT AND DISCLOSURES Credit Limit: $ Account-Opening Credit Disclosures

9.90% CHIROPRACTIC FEDERAL CREDIT UNION VISA GOLD CREDIT CARD AGREEMENT AND DISCLOSURES Credit Limit: $ Account-Opening Credit Disclosures CHIROPRACTIC FEDERAL CREDIT UNION VISA GOLD CREDIT CARD AGREEMENT AND DISCLOSURES Credit Limit: $ Interest Rates and Interest Charges Annual Percentage Rate 9.90% (APR) for Purchases APR for Balance Transfers

More information

Visa Credit Card Cardmember Agreement

Visa Credit Card Cardmember Agreement Visa Credit Card Cardmember Agreement In this Agreement the words You, Your and Yourself mean each and all of those who apply for the card or who sign this Agreement. Card means the Visa Credit Card and

More information

MOBILOIL FCU 1810 N Major Dr Beaumont, TX 77713 CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT

MOBILOIL FCU 1810 N Major Dr Beaumont, TX 77713 CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT MOBILOIL FCU 1810 N Major Dr Beaumont, TX 77713 CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT Annual Percentage Rate (APR) for purchases and cash advances 2.99% fixed rate (purchases and/or cash advances)

More information

IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT:

IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT: VISA Platinum and Visa Platinum Rewards Credit Card Agreement In this Agreement the words you and your mean each and all of those who sign the application or use the credit card(s) or convenience check(s).

More information

KEMBA FINANCIAL CREDIT UNION MASTERCARD/VISA PLATINUM ACCOUNT DETAILS. Either $5 or 3% of the amount of each transfer, whichever is greater

KEMBA FINANCIAL CREDIT UNION MASTERCARD/VISA PLATINUM ACCOUNT DETAILS. Either $5 or 3% of the amount of each transfer, whichever is greater KEMBA FINANCIAL CREDIT UNION MASTERCARD/VISA PLATINUM ACCOUNT DETAILS Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases VISA Platinum Rewards Variable 7.99% to 13.99% when

More information

Visa Account Rates, Fees and Terms

Visa Account Rates, Fees and Terms Visa Account Rates, Fees and Terms INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers Visa Classic 8.9% to 17..9% Visa Platinum 8.4% to

More information

VISA Platinum Disclosures

VISA Platinum Disclosures VISA Platinum Disclosures Annual Percentage Rate Grace Period for repayment of balances for purchases Method of computing the balance for purchases Annual fee See Current Rate Sheet 25 Days Average Daily

More information

This APR may be applied to your account if you: apply?:

This APR may be applied to your account if you: apply?: Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash Advances 6.49%a, 7.49%b, 8.49%c, 9.49%d 6.49%a, 7.49%b, 8.49%c, 9.49%d 6.49%a, 7.49%b,

More information

Visa Business Card Disclosure Agreement

Visa Business Card Disclosure Agreement P.O. Box 8046 Madison, WI 53718-8308 (608) 243-5000 (800) 236-5560 Fax: (608) 243-5029 www.summitcreditunion.com TABULAR DISCLOSURE Annual Percentage Rate 8.00%* (APR for Purchases) Other APR s: Cash Advance

More information

CONSUMER CREDIT CARD AGREEMENT

CONSUMER CREDIT CARD AGREEMENT CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is incorporated

More information

Credit Card Disclosure ACCOUNT OPENING TABLE

Credit Card Disclosure ACCOUNT OPENING TABLE Credit Card Disclosure VISA Account Opening Disclosure Effective April 1, 2014 See below for a summary of the rates, fees and other costs of this credit offer. The Card Agreement sent with the card will

More information

MASTERCARD CONSUMER CREDIT CARD AGREEMENT

MASTERCARD CONSUMER CREDIT CARD AGREEMENT MASTERCARD CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

EECU PO Box 1777, Fort Worth, TX 76101-1777 CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT FOR MY MASTERCARD ACCOUNT

EECU PO Box 1777, Fort Worth, TX 76101-1777 CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT FOR MY MASTERCARD ACCOUNT EECU PO Box 1777, Fort Worth, TX 76101-1777 CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT FOR MY MASTERCARD ACCOUNT TERMS USED IN THIS AGREEMENT: This Agreement and Disclosure Statement covers my Platinum

More information

3.90% introductory APR for six months.

3.90% introductory APR for six months. Important Account Terms Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases and Balance Transfers 3.90% introductory APR for six months. APR for Cash Advances 17.99% How to Avoid

More information

$25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.

$25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. Please keep this attached to your LOANLINER Consumer Credit Card Agreement. Interest Rates and Interest

More information

BCM Federal Credit Union

BCM Federal Credit Union BCM Federal Credit Union MASTERCARD or VISA CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT Notice: Read and retain this copy of your Credit Card Agreement and Disclosure Statement for future reference.

More information

JEANNE D ARC CREDIT UNION VISA CARDHOLDER AGREEMENT & INITIAL DISCLOSURE Effective January 1, 2013

JEANNE D ARC CREDIT UNION VISA CARDHOLDER AGREEMENT & INITIAL DISCLOSURE Effective January 1, 2013 JEANNE D ARC CREDIT UNION VISA CARDHOLDER AGREEMENT & INITIAL DISCLOSURE Effective January 1, 2013 This VISA Cardholder Agreement & Initial Disclosure (the Agreement ) covers your credit Card Account (

More information

Fort Worth Community Credit Union Credit Card Agreement and Disclosure Statement For Your MasterCard or VISA Account

Fort Worth Community Credit Union Credit Card Agreement and Disclosure Statement For Your MasterCard or VISA Account Fort Worth Community Credit Union Credit Card Agreement and Disclosure Statement For Your MasterCard or VISA Account Notice: Read and retain this copy of your Credit Card Agreement and Disclosure Statement

More information

VISA REWARDS CONSUMER CREDIT CARD AGREEMENT

VISA REWARDS CONSUMER CREDIT CARD AGREEMENT VISA REWARDS CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

MASTERCARD COPPER CARD/ MASTERCARD PLATINUM REWARDS CARD CONSUMER CREDIT CARD AGREEMENT

MASTERCARD COPPER CARD/ MASTERCARD PLATINUM REWARDS CARD CONSUMER CREDIT CARD AGREEMENT MASTERCARD COPPER CARD/ MASTERCARD PLATINUM REWARDS CARD CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account

More information

CREDIT CARD AGREEMENT

CREDIT CARD AGREEMENT CREDIT CARD AGREEMENT (Personal Accounts) By requesting or accepting any Standard MasterCard, Standard Visa, Platinum MasterCard, Platinum Visa, Platinum Rewards MasterCard, or Platinum Rewards Visa account

More information

VISA CONSUMER CREDIT CARD AGREEMENT

VISA CONSUMER CREDIT CARD AGREEMENT VISA CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is

More information

Individual Credit One VISA-ATM card will be issued in your name only. A personal identification number (PIN) will be issued.

Individual Credit One VISA-ATM card will be issued in your name only. A personal identification number (PIN) will be issued. VISA CREDIT CARD AGREEMENT In this agreement the words you or your mean each person who applies for a credit card, or who uses the credit card or duplicate credit card. The word card means your credit

More information

VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SECURED CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SECURED CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SECURED CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account

More information

0.00% introductory APR for the first 6 Monthly Billing Cycles.

0.00% introductory APR for the first 6 Monthly Billing Cycles. VISA BUSINESS REWARDS Important Terms and Conditions You must be a First Security Bank deposit or loan account customer to obtain this card. Interest Rates and Interest Charges Annual Percentage Rate 0.00%

More information

VISA PLATINUM/VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The

More information

PLATINUM VISA, VISA GOLD REWARDS, SCHOOL REWARDS VISA AND/OR SECURED PLATINUM VISA AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT

PLATINUM VISA, VISA GOLD REWARDS, SCHOOL REWARDS VISA AND/OR SECURED PLATINUM VISA AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT AUG2014 PLATINUM VISA, VISA GOLD REWARDS, SCHOOL REWARDS VISA AND/OR SECURED PLATINUM VISA AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT Purchase Annual Percentage Rate (APR) Balance Transfer

More information

First Technology Federal Credit Union Platinum VISA Card Agreement and Federal Truth-in-Lending Disclosure Statement Effective: June 1, 2012

First Technology Federal Credit Union Platinum VISA Card Agreement and Federal Truth-in-Lending Disclosure Statement Effective: June 1, 2012 In this Platinum Visa Card Agreement and Agreement and Disclosure Statement the words I, me, my and mine mean each and all of those who apply for or use the First Technology Federal Credit Union Platinum

More information

$25.00 or the amount of the transaction exceeding your credit limit, whichever is less.

$25.00 or the amount of the transaction exceeding your credit limit, whichever is less. ANG FEDERAL CREDIT UNION PO Box 170204 Birmingham, AL 35217 (205) 841-4525 Fax: (205) 841-4545 www.angfcu.org This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card

More information

Municipal Credit Union MCU² VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT

Municipal Credit Union MCU² VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT Municipal Credit Union MCU² VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT 1. Definitions: In this Agreement the words we, us and our mean Municipal Credit Union,

More information

VISA CLASSIC/VISA SECURED/VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT

VISA CLASSIC/VISA SECURED/VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT VISA CLASSIC/VISA SECURED/VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure.

More information

VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account

More information

THE HARVARD ALUMNI CARD AGREEMENT

THE HARVARD ALUMNI CARD AGREEMENT THE HARVARD ALUMNI CARD AGREEMENT Harvard Alumni World MasterCard PO Box 382609 Cambridge, MA 02138-2609 617-495-4460 www.huecu.org This Agreement sets forth the terms and conditions under which this Credit

More information

Interest Rates and Interest Charges. 9.9% This APR may change based upon your creditworthiness.

Interest Rates and Interest Charges. 9.9% This APR may change based upon your creditworthiness. Visa Platinum Rewards Credit Card Account Opening Disclosure Interest Rates and Interest Charges For Purchases, and Cash Advances For Balance Transfers 9.9% This APR may change based upon your creditworthiness.

More information

VERITY CREDIT UNION VISA CREDIT CARD AGREEMENT

VERITY CREDIT UNION VISA CREDIT CARD AGREEMENT VERITY CREDIT UNION VISA CREDIT CARD AGREEMENT This Agreement covers the use of each credit card (VISA Classic, VISA Journey ScoreCard, and VISA Platinum Passport) issued by Verity Credit Union ( Credit

More information

0.80% of each single currency transaction in U.S. dollars. $25.00 or the amount of the required minimum payment, whichever is less.

0.80% of each single currency transaction in U.S. dollars. $25.00 or the amount of the required minimum payment, whichever is less. EAST HARTFORD FEDERAL CREDIT UNION (860) 291-2995 Fax: (860) 282-5819 www.easthartfordfcu.org This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. Please

More information

VISA PLATINUM/VISA PLATINUM REWARDS/ VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA PLATINUM REWARDS/ VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA PLATINUM REWARDS/ VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account

More information

3.99% Introductory APR for a period of 12 billing cycles.

3.99% Introductory APR for a period of 12 billing cycles. This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. Please keep this attached to your LOANLINER Consumer Credit Card Agreement. Interest Rates and Interest

More information

VISA VARIABLE RATE AND FIXED RATE CLASSIC AND GOLD CARDS AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT

VISA VARIABLE RATE AND FIXED RATE CLASSIC AND GOLD CARDS AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT VISA VARIABLE RATE AND FIXED RATE CLASSIC AND GOLD CARDS AGREEMENT In this Agreement and Disclosure Statement the words You, Your, and Yours mean each and all of those that apply for, sign or use the VISA

More information

First Technology Federal Credit Union Visa Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement

First Technology Federal Credit Union Visa Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement In this ( Agreement and Disclosure Statement ) the words: I, me, my and mine mean any and all of those who apply for or use the Visa Platinum Credit Card. First Tech, you, your and yours mean. Card means

More information

FAIRWINDS CASH REWARDS VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURE

FAIRWINDS CASH REWARDS VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURE FAIRWINDS CASH REWARDS VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURE DEFINITIONS: Card means the FAIRWINDS Cash Rewards Credit Card, which we issue to you under this agreement, including any duplicates

More information

None None 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S.

None None 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. 1802 Normal Park Dr. Huntsville,Texas 77340 This Disclosure is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. Please keep this attached to your LOANLINER Consumer

More information

Prospera Credit Union 4830 N Ballard Rd. Appleton, WI 54913 CREDIT CARD AGREEMENT FOR WISCONSIN

Prospera Credit Union 4830 N Ballard Rd. Appleton, WI 54913 CREDIT CARD AGREEMENT FOR WISCONSIN Prospera Credit Union 4830 N Ballard Rd. Appleton, WI 54913 CREDIT CARD AGREEMENT FOR WISCONSIN In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card

More information

Share Secured Visa Credit Card Agreement. 10.99% when you open your accounts, based on your credit worthiness.

Share Secured Visa Credit Card Agreement. 10.99% when you open your accounts, based on your credit worthiness. Share Secured Visa Credit Card Agreement Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases APR for Balance Transfers 10.99% 10.99% when you open your accounts, based on your

More information

VISA PLATINUM AND VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM AND VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM AND VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure.

More information

VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account

More information

VISA CONSUMER CREDIT CARD AGREEMENT

VISA CONSUMER CREDIT CARD AGREEMENT VISA CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is

More information

0% Introductory APR for 6 billing cycles from the date of the first purchase performed within 6 months from the date of account opening.

0% Introductory APR for 6 billing cycles from the date of the first purchase performed within 6 months from the date of account opening. (for new SSFCU credit card applications) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Balance Transfers After that, your APR will be 7.90% for balance transfers.

More information

Dollar Bank Secured Credit Card - Variable Rate Line of Credit Agreement - Pricing Information

Dollar Bank Secured Credit Card - Variable Rate Line of Credit Agreement - Pricing Information Dollar Bank Secured Credit Card - Variable Rate Line of Credit Agreement - Pricing Information There are two parts to this Credit Card Agreement: Dollar Bank Pricing Information and the Dollar Bank Customer

More information

CREDIT CARD AGREEMENT AND DISCLOSURE

CREDIT CARD AGREEMENT AND DISCLOSURE M-115600 CREDIT CARD AGREEMENT AND DISCLOSURE This Agreement establishes the terms and conditions of your credit card agreement with the Credit Union. In this agreement, the words you and your mean any

More information

VISA PLATINUM/VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure.

More information

Current Credit Card Agreements for New Personal Accounts

Current Credit Card Agreements for New Personal Accounts Current Credit Card Agreements for New Personal Accounts NOTE: To obtain a copy of the Credit Card Agreement for your existing account call us at (800) 996-2638 or send us a secured message through Online

More information

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

Visa Traditional Rewards Student Rewards Signature Non-Rewards

Visa Traditional Rewards Student Rewards Signature Non-Rewards Consumer Credit Card Agreement M-109698 Visa Traditional Rewards Student Rewards Signature Non-Rewards In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit

More information

EDUCATOR VISA CONSUMER CREDIT CARD AGREEMENT

EDUCATOR VISA CONSUMER CREDIT CARD AGREEMENT EDUCATOR VISA CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

Visa Platinum Rewards Credit Card Agreement

Visa Platinum Rewards Credit Card Agreement This is a card member agreement and disclosure statement ( Agreement ) between you and containing the terms that will apply to your Hills Bank Visa Platinum Rewards ( Account ). In this Agreement, you

More information

6.49% to 14.49% based on your creditworthiness. 8.90% to 9.90% based on your creditworthiness.

6.49% to 14.49% based on your creditworthiness. 8.90% to 9.90% based on your creditworthiness. Interest Rates and Interest Charges Security Service Power MasterCard Annual Percentage Rate (APR) for Purchases 6.49% to 14.49% based on your creditworthiness. These APRs will vary with the market based

More information

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

CONSUMER CREDIT CARD AGREEMENT

CONSUMER CREDIT CARD AGREEMENT CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is incorporated

More information

Credit Card Agreement and Disclosure Statement

Credit Card Agreement and Disclosure Statement Credit Card Agreement and Disclosure Statement Your Lifetime Financial Partner In this Agreement the words you and your mean each and all of those signing, using or having a credit Card account with Northwest

More information

CREDIT CARD AGREEMENT

CREDIT CARD AGREEMENT CREDIT CARD AGREEMENT This agreement contains the terms and conditions that govern your 1st Financial Bank USA (Bank) MasterCard or Visa credit card account. The first time you or someone you authorize

More information

MAROON FINANCIAL CREDIT UNION DISCOVER ELITE/ DISCOVER FLEX CONSUMER CREDIT CARD AGREEMENT

MAROON FINANCIAL CREDIT UNION DISCOVER ELITE/ DISCOVER FLEX CONSUMER CREDIT CARD AGREEMENT MAROON FINANCIAL CREDIT UNION DISCOVER ELITE/ DISCOVER FLEX CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account

More information

TCU VISA Platinum Rewards Credit Card Account Agreement

TCU VISA Platinum Rewards Credit Card Account Agreement TCU VISA Platinum Rewards Credit Card Account Agreement This TCU VISA Platinum Rewards Credit Card Account Agreement and Disclosure Statement ("Agreement"), sets forth your rights and obligations and ours

More information

VISA CREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSURE

VISA CREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSURE Annual Percentage Rates (APRs) for purchases APR for Balance Transfers APR for Cash Advances Penalty APR and When It Applies Paying Interest For Credit Card Tips from the Federal Reserve Board VISA CREDIT

More information

10500862-MXC50-P-1-091515 (MXC503 CCM004)-e

10500862-MXC50-P-1-091515 (MXC503 CCM004)-e VISA SIGNATURE CREDIT CARD/VISA SELECT CREDIT CARD CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening

More information

% variable Days. None. None Foreign Transaction Fee 1% 3

% variable Days. None. None Foreign Transaction Fee 1% 3 Annual Percentage Rate (APR) for purchases Other APRs Variable-Rate Information Grace Period for Repayment of Balances for Purchase Method of computing the balance for purchases Annual fees Minimum Finance

More information

13.75% VISA CLASSIC 12.75% VISA GOLD

13.75% VISA CLASSIC 12.75% VISA GOLD Account Opening Disclosure Notice regarding the terms of your West Suburban Bank Visa Credit Card account. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.75% VISA CLASSIC

More information

PLATINUM CREDIT CARD AGREEMENT

PLATINUM CREDIT CARD AGREEMENT Credit Union of Colorado, A Federal Credit Union VISA PLATINUM PREFERRED and VISA PLATINUM CREDIT CARD AGREEMENT Card Services Department: 1390 Logan Street, Denver, CO 80203 (303) 832-4816 1-800-444-4816

More information

$25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.

$25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. Please keep this attached to your LOANLINER Consumer Credit Card Agreement. Interest Rates and Interest

More information

VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Visa Credit Card Rates and Terms disclosure. The Fee Schedule means the Consumer Services Fee Schedule. The

More information

VISA PLATINUM AND VISA PLATINUM REWARDS Fax: 610-326-7197

VISA PLATINUM AND VISA PLATINUM REWARDS Fax: 610-326-7197 1550 Medical Dr. 610-326-3705 VISA PLATINUM AND VISA PLATINUM REWARDS Fax: 610-326-7197 CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure

More information

EQUITABLE FEDERAL CREDIT UNION VISA CREDIT CARD AGREEMENT

EQUITABLE FEDERAL CREDIT UNION VISA CREDIT CARD AGREEMENT EQUITABLE FEDERAL CREDIT UNION VISA CREDIT CARD AGREEMENT In this Agreement the words you and your mean each and all of those who apply for the card or who signs this Agreement. Card means the VISA Credit

More information

VISA SCORECARD/VISA DOUG MILLER CONSUMER CREDIT CARD AGREEMENT

VISA SCORECARD/VISA DOUG MILLER CONSUMER CREDIT CARD AGREEMENT VISA SCORECARD/VISA DOUG MILLER CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account

More information

RBC BANK CREDIT CARD DISCLOSURES AND CARDHOLDER AGREEMENT

RBC BANK CREDIT CARD DISCLOSURES AND CARDHOLDER AGREEMENT RBC BANK CREDIT CARD DISCLOSURES AND CARDHOLDER AGREEMENT INTEREST RATES AND INTEREST CHARGES Summary of Credit Terms Visa Signature Rewards Visa Platinum Rewards Visa Signature Rewards Plus Visa Platinum

More information

VISA CONSUMER CREDIT CARD AGREEMENT

VISA CONSUMER CREDIT CARD AGREEMENT VISA CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is

More information

$1.00 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars

$1.00 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars FULDA AREA CREDIT UNION 205 N. St. Paul Ave. PO Box 329 Fulda, MN 56131 (507) 425-2544 Fax: (507) 425-2546 www.fuldaareacreditunion.com This Addendum is incorporated into and becomes part of your LOANLINER

More information

VISA PLATINUM WITH REWARDS/VISA PLATINUM/VISA PLATINUM SECURED WITH REWARDS/VISA PLATINUM SECURED CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM WITH REWARDS/VISA PLATINUM/VISA PLATINUM SECURED WITH REWARDS/VISA PLATINUM SECURED CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM WITH REWARDS/VISA PLATINUM/VISA PLATINUM SECURED WITH REWARDS/VISA PLATINUM SECURED CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement.

More information

Visa Credit Card Agreement

Visa Credit Card Agreement Visa Credit Card Agreement 1. INTRODUCTION. This VISA Credit Card Agreement (Agreement) and the Account Disclosures accompanying this Agreement will govern your Platinum VISA or Platinum VISA with Rewards

More information