By signing below, I acknowledge the following: 

Effective June 1, 2020, Andigo Credit Union merged into Consumers Cooperative Credit Union. 
Andigo Credit Union is operated as a division of Consumers Cooperative Credit Union. All 
references in the attached/enclosed documents to Andigo Credit Union refer to a division of 
Consumers Cooperative Credit Union. 

Borrower Signature _____________________________________________ 

Date _______________ 

Borrower Signature _____________________________________________ 

Date _______________ 

APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM / VISA PLATINUM 
REWARDS / VISA PLATINUM CASH BACK

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum
0.00%

 Introductory APR for a period of six billing cycles.
six billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

9.65% 18.65%
 to

Visa Platinum Rewards

0.00%

 Introductory APR for a period of six billing cycles.
six billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

11.65% 20.65%
 to

, based on your

Visa Platinum Cash Back

0.00%

 Introductory APR for a period of six billing cycles.
six billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

10.24% 19.24%
 to

, based on your

APR for Balance Transfers

Visa Platinum

0.00%

six billing cycles.
 Introductory APR for a period of six billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

9.65% 18.65%
 to

Visa Platinum Rewards

0.00%

six billing cycles.
 Introductory APR for a period of six billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

11.65% 20.65%
 to

Visa Platinum Cash Back

0.00%

 Introductory APR for a period of six billing cycles.
six billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

10.24% 19.24%
 to

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01227196-MXC10-P-1-050420 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

Visa Platinum

9.65%

to

18.65%

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Visa Platinum Rewards
11.65%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

20.65%

to

Visa Platinum Cash Back
10.24%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

19.24%

to

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 any 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
Transaction Fees
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

$5.00
$5.00 or 3.00% of the amount of each cash advance, whichever is greater
2.00%
2.00% of each transaction in U.S. dollars

3.00%

$20.00
Up to $20.00
Up to $25.00
$25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first
six billing cycles following the opening of your account. Any existing balances on Andigo Credit Union loan or credit card
six billing cycles.
accounts are not eligible for the Introductory APR for balance transfers.

Effective Date:
The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

04/09/2020.

For California Borrowers, the Visa Platinum, Visa Platinum Rewards and Visa Platinum Cash Back are secured
credit cards. Credit extended under this credit card account is secured by various personal property and money
including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically
pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or
joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account
that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have
with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that
during any periods when you are a covered borrower under the Military Lending Act your credit card will be
secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any
individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you
establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered
borrower.

Other Fees & Disclosures:
Late Payment Fee:
$20.00
$20.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01227196-MXC10-P-1-050420 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Cash Advance Fee (Finance Charge):
$5.00
$5.00 or 3.00% of the amount of each cash advance, whichever is greater.

3.00%

Returned Payment Fee:
$25.00
$25.00 or the amount of the required minimum payment, whichever is less.

Card Recovery Fee:
$65.00
$65.00.

Document Copy Fee:
$12.00
$12.00.

Emergency Card Replacement Fee:
$150.00.
$150.00

Rush Fee:
$15.00.
$15.00

Representative-Assisted Expedited Payment Fee:
$5.00
$5.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01227196-MXC10-P-1-050420 (MXC101-E)