Bellco Credit Union   
Account Disclosure 
Visa® Platinum Credit Card 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

0% Introductory APR for the first six months on purchases.  After that, the Standard APR 
will range from 11.00% to 21% based on creditworthiness. 
This APR will vary with the market based on the Prime Rate. 
1.99% Introductory APR for the first 12 months on any balance transfers that occur within 
the first 90 days of account opening.  After that, the Standard APR will range from 11.00% 
to 21% based on creditworthiness. 
This APR will vary with the market based on the Prime Rate. 
21% 
This APR will vary with the market based on the Prime Rate. 
None 
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.  We 
will begin charging interest on cash advances or balance transfers on the transaction date. 
None 
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. 

None 

$0 fee on transfers made within 90 days of account opening, After that, either $10 or 4% of 
the amount of each balance transfer, whichever is greater (maximum fee: $75) 
Either $10 or 4% of the amount of each cash advance, whichever is greater (maximum fee 
$75) 
Up to 1% of each transaction in U.S. dollars. 

APR for Balance Transfers  

APR for Cash Advances 

Penalty APR 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 
Fees 
Annual Fee 

Transaction Fees 

•  Balance Transfer 

• 

• 

Cash Advance 

Foreign Transaction 

Penalty Fees 

• 
Late Payment 
•  Returned Payment 
•  Over the Limit Fee 

The lesser of minimum payment due or $25. 
$10.  
None 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new purchases).”  See 
your account agreement for more details. 
Expedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request. 
Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR for purchases or 
balance transfers if you make a late payment. 
Periodic Rates: After any Introductory Rate period, or if an Introductory rate does not apply to your Account, the periodic rate 
for purchases will range from 0.0301% per day to 0.0576% per day which corresponds to an ANNUAL PERCENTAGE RATE 
ranging from 11.00% to 21%.  The periodic rate for cash advances is 0.0576% per day with a corresponding annual percentage 
rate of 21%.  Balance transfers will be considered a cash advance and will accrue interest like a cash advance.  Balance transfers 
will be referred to as cash advance for purposes of this disclosure. 
Effective Date: This disclosure is effective as of December 1, 2019 and is subject to change after date listed. 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement.