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Visa Credit Card 
Application Disclosures 

2303 South Center Road 
Burton, MI 48519 
Ph 810-715-3542 • TF 800-882-6457 
Fx 810-600-2590 
www.elgacu.com 

Annual Percentage 
Rate (APR) for 
Purchases, Balance 
Transfers and 
Cash Advances 

INTEREST RATES AND INTEREST CHARGES 

Visa Rewards 

Visa Cashback 

Visa Low Rate 

4.90%  Promotional  APR,  for  qualifying  members,  for  transactions  completed  from   
August  1,  2021  through  October  31,  2021  with  a  repayment  period  for  these 
transactions until April 30, 2022. 

0.00%  Promotional  APR  for  transactions  completed  from  August  1,  2021  through 
October  31,  2021  with  a  repayment  period  for  these  balance  transfers  until  April  30, 
2022. Balance Transfer must be New Money. 
 After that, or if you do not 
qualify, your APR will be 
9.90 % - 17.90% 
based on your 
creditworthiness 

After that, or if you do not 
qualify, your APR will be 
14.90 % - 20.90% 
based on your 
creditworthiness 

After that, or if you do not 
qualify, your APR will be 
7.90 % - 15.90% 
based on your 
creditworthiness 

Penalty APR 

17.90% 

20.90% 

17.90% 

When the Penalty 
APR Applies 

This APR may be applied to your account if you make a late payment. 
How long with the Penalty APR apply? If your APR is increased due to a late pay- 
ment, the Penalty APR will apply until you make six consecutive minimum payments 
when they are due. 

Paying Interest 

For Credit Card Tips 
from  the  Consumer 
Financial Protection 
Bureau 

Your due date is at least 25 days after the close of each billing cycle. We will not charge 
any interest on the portion of the purchases balance that you pay by the due date each 
month. We will begin charging interest on cash advances and balance transfers on the 
transaction date. 

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. 

Annual Service Charge  None 

SERVICE CHARGES 

Transaction Service 
Charges 
• Cash Advance 
• Balance Transfer 
• Foreign Transaction 

None 
None 
Up to 2% of the US dollar amount of the foreign transaction. 
This fee applies to any credit card transaction made at a location in a foreign country, or 
payable to a merchant located in a foreign country even if you initiate the transaction 
from within the United States. 

Penalty Service 
Charges 
• Late Payment 
• Over-the-Credit Limit 
• Returned Payment 

Up to $25 
None 
$25 

© 2021 Farleigh Wada Witt. All Rights Reserved. 

CC App Disc • 07-09-21 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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Other Service Charges: 
Replacement Card 
$5 
Rush Replacement Card  $10 
$30 
Rush Delivery of Card 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). 
The above rates and fees are effective as of August 1, 2021. 

© 2021 Farleigh Wada Witt. All Rights Reserved. 

CC App Disc • 07-09-21