MECU of Baltimore, Inc. Visa® Credit Card Disclosure Information
Keep this for your personal records. It contains valuable information about MECU’s VISA® Platinum,  
Platinum with Rewards, Platinum Secured and Signature Credit Cards.

Annual Percentage Rates (APR*)  for  Purchases

Annual Percentage Rates (APR)  
for Visa Platinum

Annual Percentage Rates (APR)  
for Visa Platinum with Rewards

1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 8.75% up to 24.00% based on your 
credit worthiness. This APR may vary with the market based on Wall Street 
Journal Prime Rate.

1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 9.75% up to 24.00% based on your 
credit worthiness. This APR may vary with the market based on Wall Street 
Journal Prime Rate.

Annual Percentage Rates (APR)  
for Visa Platinum Secured

Your rate will be 12.92% APR. This APR may vary with the market 
based on the Wall Street Journal Prime Rate.

Annual Percentage Rates (APR)  
for Visa Signature

1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 8.50% based on your credit worthiness. This 
APR may vary with the market based on Wall Street Journal Prime Rate.

Annual Percentage Rates (APR)  for Balance Transfers

Annual Percentage Rates (APR)  
for Visa Platinum

Annual Percentage Rates (APR)  
for Visa Platinum with Rewards

1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 8.75% up to 24.00% based on your 
credit worthiness. This APR may vary with the market based on Wall Street 
Journal Prime Rate.

1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 9.75% up to 24.00% based on your 
credit worthiness. This APR may vary with the market based on Wall Street 
Journal Prime Rate.

Annual Percentage Rates (APR)  
for Visa Platinum Secured

Your rate will be 12.92% APR. This APR may vary with the market 
based on the Wall Street Journal Prime Rate.

Annual Percentage Rates (APR)  
for Visa Signature

1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 8.50% based on your credit worthiness. This 
APR may vary with the market based on Wall Street Journal Prime Rate.

Annual Percentage Rates (APR)  for Cash Advances

Annual Percentage Rates (APR)  
for Visa Platinum

Annual Percentage Rates (APR)  
for Visa Platinum with Rewards

Annual Percentage Rates (APR)  
for Visa Platinum Secured

Annual Percentage Rates (APR)  
for Visa Signature

How to Avoid Paying Interest on 
Purchases

Penalty APR
Minimum Interest Charge

For Credit Card Tips from  
the Federal Reserve

Fees

Annual Fee
Transaction Fees 
Balance Transfer and Cash Advance 
Foreign Transaction

Penalty Fees 
Late Payment
Over-the-Credit Limit
Returned Payment
Other Fees
Card Replacement Fee 
Pay-by-Phone Fee

1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 8.75% up to 24.00% based on your 
credit worthiness. This APR may vary with the market based on Wall Street 
Journal Prime Rate.
1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 9.75% up to 24.00% based on your 
credit worthiness. This APR may vary with the market based on Wall Street 
Journal Prime Rate.
Your rate will be 12.92% APR. This APR may vary with the market 
based on the Wall Street Journal Prime Rate.
1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 8.50% based on your credit worthiness. This 
APR may vary with the market based on Wall Street Journal Prime Rate.
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.
None
None
To learn more about factors to consider when applying for or using a  
credit card, visit the website of the Federal Reserve Board at: 
www.consumerfinance.gov/credit-cards/agreements/

None

None 
Up to 1% of transaction in US dollars, dependent upon currency  
conversion requirements

Up to $24, dependent upon your outstanding balance   
None
Up to $15, dependent upon your outstanding balance 

$10 Replacement fee 
$5

How We Will Calculate Your Balance: We use a method called “average daily balance” including new purchases. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
in your Account Agreement.  Effective Date: The information about the costs of the card described in this  
application is accurate as of  March 1, 2017. This information may have changed after that date. To find out what 
may have changed, contact MECU. Credit limits are based on credit worthiness and ability to repay.  
*APR = Annual Percentage Rate