Credit Card Pricing Agreement  

FEATURING  
Visa® Platinum  

Please read the disclosure information below. 

I/We hereby certify that all statements made are true and complete, are submitted for the purpose of obtaining credit, and 
that the lender may rely on them for the determination of creditworthiness. I/We authorize you to obtain such information 
as you may require concerning the statements made in this loan application, agree that the application shall remain your 
property, and you are authorized to answer questions about your credit experience with me/us. By checking the "I Agree 
with the statement above" checkbox and clicking the [Submit] button, the applicant(s) authorizes this loan application to be 
processed by the lender including but not limited to, obtaining the applicant(s) credit history, contacting employer(s) to 
verify employment, verifying income and assets, and verifying the accuracy of statements contained therein. It is a federal 
crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit 
unions or state chartered credit unions insured by NCUA. If my application is approved, I agree to be bound by the terms 
and conditions disclosed in the consumer loan agreement and disclosure(s) which will be sent to me and authorize the 
lender to share experience on this account with the consumer credit reporting agencies.  

Annual Percentage Rate 
(APR) for Purchases  

APR for Cash Advances & 
Balance Transfers  

Penalty APR and When It 
Applies  

INTEREST RATES AND INTEREST CHARGES  
3.90% introductory APR for 6 months.  
After that, your APR will be 9.99% - 18.00%, based on your creditworthiness 
and will vary with the market based on the Prime Rate.  
Balance Transfer APR: 3.90% introductory APR for 9 months.  
After that, your APR will be 9.99% - 18.00%, based on your creditworthiness and 
will vary with the market based on the Prime Rate. 
Cash Advance APR: 3.90% introductory APR for 6 months.  
After that, your APR will be 9.99% - 18.00%, based on your creditworthiness 
and will vary with the market based on the Prime Rate. 

18.00% - This APR may be applied to your account if: 

  Your minimum monthly payment is more than 60 days late  
  You are in default of any other terms of the Agreement 

How long will the penalty APR apply?  If your APR is increased for any of these 
reasons, the penalty APR will apply until you make six consecutive minimum payments 
when due. 

How to Avoid Paying 
Interest on Purchases  

Your due date is at least 25 days after the close of each billing cycle. We will not charge 
any interest on the portion of the purchases balance that you pay by the due date each 
month.  

Minimum Finance Charge  

If you are charged interest, the charge will be no less than $1.00. 

For Credit Card Tips from 
the Federal Reserve Board  

To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Federal Reserve Board at 
http://www.consumerfinance.gov/learnmore  

Annual Fee  

None  

FEES 

REV. 1/16 pg. 1 

 
 
 
Transaction Fees 
Cash Advance 
Foreign Transaction  

Penalty Fees 
Late Payment 
Returned Item Charge 

Other Fees 
Pay by Phone  

3% of the cash advance transaction (minimum $10.00) 
Up to 1% of the US dollar amount of the foreign transaction 

Up to $25.00 
$25.00 or the amount of the returned item, whichever is less 

Up to $10.00 

THINGS YOU SHOULD KNOW ABOUT THIS CREDIT CARD 

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). We 
reserve the right to amend the VISA© Credit Card Agreement as permitted by law. The above rates and fees are current 
as of 11/09/2015. 

Loss of Introductory APR: We may end your introductory APR and apply the penalty APR if you make a payment more 
than 60 days late. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
account agreement.  

These Account Disclosures for the Visa Platinum Credit Card are part of and integrated with your Credit Card 
Agreement and Disclosure with Arizona State Credit Union. 

REV. 1/16 pg. 2