Paying InterestYour due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. Minimum Interest ChargeFor Credit Card Tips from theConsumer Financial ProtectionBureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreINTEREST RATES and INTEREST CHARGES:Annual Percentage Rate (APR) forPurchases and Cash Advancesdepending on your credit history. This APR will vary with the market based on thePrime Rate.
If you are charged interest, the charge will be no less than $0.50.APR for Balance Transfers% -Introductory APR until the balance transfer is paid in full for balances transferred within 90 days of account opening. All other balance transfers, purchases andcash advances will be at the Standard APR of% -%
depending on your credit history. The Standard APR will vary with the market based on the Prime Rate.%% -%
FEES:Fees to Open or Maintain yourAccount- Annual Fee:- Application Fee:NoneNoneTransaction Fees- Balance Transfer:- Cash Advance:- Foreign Transaction:NoneNone2% of each cross border transaction in U.S. dollars if the transaction involves acurrency conversion2% of each cross border transaction in U.S. dollars if the transaction does notinvolve a currency conversionPenalty FeesIf your payment is late 10 days or more, up to $25.00 for the first offense and up to $35.00 each if 2 or more offenses occur within 6 months.None. We do not approve authorizations that will exceed your credit limit.None- Late Payment:- Over-the-Credit Limit:- Returned Payment:IMPORTANT CREDIT CARD DISCLOSURESThe following disclosure represents important details concerning your credit card. The information about costs of the card areaccurate as of. You can contact us toll free at 800.873.5100 or the address above to inquire if any changes occuredsince the effective date.
9009 LASER FPDF FI14762 Rev 2-2020 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See youraccount agreement for more details.Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make alate payment.Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your accountagreement.CREDIT CARDAPPLICATION DISCLOSURE
 iTHINK Financial Credit UnionP.O. Box 5090, Boca Raton, FL 33431-0890800.873.5100   �   www.ithinkfi.org   �   serviceplus@ithinkfi.org