ORANGE COUNTY�S CREDIT UNION
	IMPORTANT INFORMATION ABOUT YOUR MASTERCARD � PLATINUM
	REWARDS CREDIT CARD
	Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases 11.49% to 19.49% based on your creditworthiness. The APR will vary with the market based on Prime rate. Annual Percentage Rate (APR) for Balance Transfers 
11.49% to 19.49 % based on your creditworthiness. The APR will vary with the market based on the Prime Rate. 
Annual Percentage Rate (APR) for Cash Advances 20.49% This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 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. For Credit Card Tips from the Consumer Financial Protection Bureau 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 Annual Fee None Transaction Fees � Balance Transfer � Cash Advances � Foreign Transactions 2.00% of the amount of the Balance Transfer, but not less than $5.00 nor greater than $50.00 per Balance Transfer. 2.00% of the amount of the Cash Advance, but not less than $5.00 nor greater than $50.00 per Cash Advance. 1.00% of each foreign transaction in U.S. Dollars. Penalty Fees � Late Payment Up to $7 if the Minimum Payment Due is not paid within 5 days of the Payment Due Date. � Returned Payment Up to $25.00. How We Will Calculate Your Balance: We use a method called �Average Daily Balance (Including Current Transactions).� The information about the costs of the card described in this application is accurate as of January 1, 2019. This information may have changed after that date. To find out what may have changed, call us at (888) 354-6228. 
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