PENNSYLVANIA STATE
EMPLOYEES CREDIT UNION
P.O. Box 67012
Harrisburg, PA 17106
800.237.7328  •  PSECU.COM

APPLICATION AND 
SOLICITATION 
DISCLOSURE

PSECU VISA CLASSIC CARD

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for 
Purchases

9.90%

APR for Balance Transfers

2.90% Introductory APR until December 31, 2019. 

APR for Cash Advances

How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge
For Credit Card Tips from the 
Consumer Financial Protection Bureau

After that, your APR will be 9.90%. 
9.90%

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.

Fees
Set-up and Maintenance Fees
- Annual Fee
- Account Set-up Fee
- Program Fee
- Participation Fee
- Additional Card Fee
- Application Fee
Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None
None
None
None
None
None

None
None
None
None

Up to $20.00 
None
None

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)." 

Promotional Period for Introductory APR:
The  Introductory  APR  for  balance  transfers  will  apply  to  transactions  posted  to  your  account  from  01/01/2018  until 
12/31/2018.  Any existing  balances  on  Pennsylvania  State  Employees  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: September 28, 2017 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

©PSECU Form #3903 REV 1/2018 V1.0

03720921-MXC10-C-3-092817 (MXC101-E)

 
For California Borrowers, the PSECU Visa Classic may be a secured credit card. Credit extended under this credit 
card  account  may  be  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.  Notwithstanding the  foregoing,  you  acknowledge  and  agree  that  during  any  periods  when 
you  are  a  covered  borrower  under  the  Military  Lending  Act  your  credit  card  will  be  secured  by  any  specific 
Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account 
with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card 
account when you are not a covered borrower; or (ii) you cease to be a covered borrower.  

Other Fees & Disclosures: 
Late Payment Fee: 
$20.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a 
payment.  

PIN Replacement Fee: 
None.  

Rush Fee: 
$40.00. 

Unreturned Card Fee: 
None.  

Collection Costs: 
You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable 
attorney's fees. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03720921-MXC10-C-3-092817 (MXC101-E)