Important Terms and Conditions for Credit Card Accounts 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

Your account may feature an introductory APR, 2.9% - 
6.9% for six months, based on your creditworthiness or other 
factors. After your introductory period ends, or if your account 
does not feature an introductory APR, your APR will be 
12.00% to 17.99%. This APR will vary with the market 
based on the Prime Rate and your creditworthiness or other 
factors. 

APR for Balance 
Transfers 

APR for Cash Advances 

Your account may feature an introductory APR, 2.9% - 6.9% for 
six months, based on your creditworthiness or other factors. 
After your introductory period ends, or if your account does not 
feature an introductory APR, your APR will be 12.00% to 
17.99%. This APR will vary with the market based on the Prime 
Rate and your creditworthiness or other factors. 

Your account may feature an introductory APR, 2.9% - 6.9% for 
six months, based on your creditworthiness or other factors. 
After your introductory period ends, or if your account does not 
feature an introductory APR, your APR will be 12.00% to 
17.99%. This APR will vary with the market based on the Prime 
Rate and your creditworthiness or other factors. 

How to Avoid Paying 
Interest on Purchases 

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 you interest on purchases if you pay 
your entire balance by the due date each month. 
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 
Annual Fee 
Transaction Fees 

  Foreign 

Transaction 

Penalty Fees 

None 

1% of each transaction in U.S. dollars. 

 
 

Late Payment 
Returned Payment 

$25 
$25 

How We Will Calculate Your Balance: We use a method called “average daily balance including new 
purchases.” The full terms and conditions will be outlined in the Credit Card Agreement and Disclosure, 
which will be sent to you with the new card(s). 

The information about the costs of the card described in this application is accurate as of 11/25/2019. 
This information may have changed after that date. To find out what may have changed, call us at 
940.387-8585, 866.387.8585 or write to us at DATCU Credit Union, P.O. Box 827, Denton, TX 
76202-0827. 

Rev. 11/25/2019