APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM/VISA REWARDS

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum
0.00%

 Introductory APR for 365 days from Account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

10.49% 25.74%
 to

, based on your

Visa Rewards
11.99% 27.24%
 to
your creditworthiness. This APR will vary with the market based on the
Prime Rate.

, when you open your Account, based on

APR for Balance Transfers

Visa Platinum
0.00%

Introductory APR for 12 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

25.74%

10.49%

 to

APR for Cash Advances

 to

27.24%

, when you open your Account, based on your

Visa Rewards
11.99%
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Platinum
10.49%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your Account, based on your

25.74%

to

Visa Rewards
11.99%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your Account, based on your

27.24%

to

Penalty APR and When it Applies

Visa Platinum
None

Visa Rewards
None

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection Bureau

Your due date is at least 21 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.
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.

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SEE NEXT PAGE for more important information about your account.

Fees
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee

- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

None

$10.00 or 3.00% of the amount of each balance transfer, whichever is
greater
$10.00 or 3.00% of the amount of each cash advance, whichever is greater
2.00% of each transaction in U.S. dollars

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR - Visa Platinum:
The Introductory APR for purchases applies to transactions posted to your Account during the first 365 days following
Account opening.
The Introductory APR for balance transfers applies to transactions posted to your Account during the first 60 days
following Account opening. Any existing balances on Great Lakes Credit Union loan or credit card 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.

October 20, 2018

Other Fees & Disclosures:
Late 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.

Balance Transfer Fee (Finance Charge):
$10.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge):
$10.00 or 3.00% of the amount of each cash advance, whichever is greater.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
None.

Pay-by-Phone Fee:
$5.00.

Rush Fee:
$60.00.

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