Terms and Conditions Starter Visa - SkyOne Federal Credit Union

https://skyone.org/terms-and-conditions-starter-visa.html

Starter Classic Visa  Terms and Conditions

®

Interest Rates and Interest
Charges

Variable Annual Percentage
Rate (APR) for Purchases,
Balance Transfers and Cash
Advances

18.00%

when you open your account.

!

  Eﬀective 04-22-2016

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Minimum Monthly Payment

2% of the outstanding balance or $40, whichever is
greater.

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 you interest on
purchases if you pay your entire balance by the due
date each month.

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.

Fees

Annual Fee

$0

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Transaction Fees

Penalty Fees

• Balance Transfer: $0
• Cash Advance: $0
• Foreign Transaction: Visa International Service
Assessment Fee
          • Single Currency Transaction: 0.8% of
transaction
          • Multiple Currency Transaction: 1.0% of
transaction

•   Late Payment: $25 for the ﬁrst violation, $30 for
the next violation(s) during the next 6 billing cycles
•   Overlimit: $0
•   Return Payment: $0

Balance Computation Method

Average daily balance including new purchases.

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Terms and Conditions Starter Visa - SkyOne Federal Credit Union

https://skyone.org/terms-and-conditions-starter-visa.html

Finance Charge

Calculated using monthly periodic data.

Advertised rate includes a 0.25% discount for automatic payments. Without Autopay, your annual percentage
rate will be 0.25% higher.

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