APPLICATION AND
SOLICITATION
DISCLOSURE

CHILDREN(cid:146)S MIRACLE NETWORK PLATINUM/PLATINUM
VARIABLE/PLATINUM REWARDS

Children(cid:146)s Miracle Network Platinum
9.80%

12.25%

 to

, based on your creditworthiness.

Platinum Variable
7.15%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

15.15%

 to

Platinum Rewards
10.15% 17.15%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Children(cid:146)s Miracle Network Platinum
9.80%

12.25%

, based on your creditworthiness.

 to

Platinum Variable
15.15%
7.15%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

, when you open your account, based on your

Platinum Rewards
10.15% 17.15%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Children(cid:146)s Miracle Network Platinum
9.80%

, based on your creditworthiness.

12.25%

to

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

Platinum Variable
15.15%
7.15%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Platinum Rewards
10.15% 17.15%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

' CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00901154-MXC10-C-1-092121 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

Penalty APR and When it Applies

Children(cid:146)s Miracle Network Platinum
17.99%

Platinum Variable
17.99%

Platinum Rewards
17.99%

This APR may be applied to your account if you:
- Make a late payment.

How Long Will the Penalty APR Apply? If your APRs are increased for
this reason, the Penalty APR will apply until you make two consecutive
minimum payments when due.

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.
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
None
None
None
None

None
1.00% of each transaction in U.S. dollars completed outside the U.S.
1.00% of each transaction in U.S. dollars completed in a foreign currency
None

Up to $40.00
None
Up to $25.00

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Set-up and Maintenance Fees
- Account Set-up Fee
- Program Fee
- Participation Fee
- Additional Card Fee
- Application Fee

Transaction Fees
- Balance Transfer Fee
- Foreign Transaction Fee

- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty 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:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

October 06, 2021

For California Borrowers, the Children(cid:146)s Miracle Network Platinum, Platinum Variable and Platinum Rewards are
secured credit cards. Credit extended under this credit card account is secured by various personal property and
money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you
specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any
individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any
other account that would lose special tax treatment under state or federal law, and (d) collateral securing other
loans you have with the Credit Union excluding dwellings.

' CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00901154-MXC10-C-1-092121 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

Other Fees & Disclosures:
Late Payment Fee:
$29.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you
will be charged $40.00 or the amount of the required minimum payment, whichever is less.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$15.00.

Document Copy Fee:
None.

Emergency Card Replacement Fee:
None.

PIN Replacement Fee:
None.

Rush Fee:
None.

Statement Copy Fee:
None.

Unreturned Card Fee:
None.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

' CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00901154-MXC10-C-1-092121 (MXC102-E)