.credit human
A Federal Credit Union
6061 W Interstate 10 San Antonio, TX 78201 210-258-1234 CreditHuman.com
OMNB.
V/SA
RATE PREFERRED VISA LEVEL I RATE PREFERRED VISA LEVEL II RATE PREFERRED VISA LEVEL III APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges	
Annual Percentage Rate (APR) for Purchases	Rate Preferred Visa Level I 5.90% Introductory APR for a period of six billing cycles. After that your APR will be 8.90% . This APR will vary with the market based on the Prime Rate. Rate Preferred Visa Level II 7.90% Introductory APR for a period of six billing cycles. After that your APR will be 11.90% . This APR will vary with the market based on the Prime Rate. Rate Preferred Visa Level III 10.90%Introductory APR for a period of six billing cycles. Afterthat your APR will be 12.75% . This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	Rate Preferred Visa Level I 7.90% Rate Preferred Visa Level II 9.90% Rate Preferred Visa Level III 10.75%
APR for Cash Advances	Rate Preferred Visa Level I 5.90% Introductory APR for a period of six billing cycles. After that your APR will be 8.90% . This APR will vary with the market based on the Prime Rate. Rate Preferred Visa Level II 7.90% Introductory APR for a period of six billing cycles. After that your APR will be 11.90% . This APR will vary with the market based on the Prime Rate. Rate Preferred Visa Level III 10.90% Introductory APR for a period of six billing cycles. After that your APR will be 12.75% . This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases	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.
For Credit Card Tips 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	
Transaction Fees - Foreign Transaction Fee	1.00% of each transaction in U.S. dollars
Penalty Fees -	Late Payment Fee -	Over-the-Credit Limit Fee -	Returned Payment Fee	Up to $25.00 None Up to $25.00
SEE NEXT PAGE for more important information about your account.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Loss of Introductory APR: We may end your Introductory APR for purchases and cash advances and apply the prevailing non-introductory APR if you are 60 days late in making a payment.
Effective Date:
The information about the costs of the card described in this application is accurate as of April 1, 2017	.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee
Returned Payment Fee
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
$25.00 or the amount of the required minimum payment, whichever is less.
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