Visa Credit Card  
Application Disclosures

2303 South Center Road
Burton, MI  48519
Ph 810-715-3542 • TF 800-882-6457
Fx 810-600-2590
www.elgacu.com

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage  
Rate (APR) for  
Purchases, Balance 
Transfers and  
Cash Advances 

Visa Rewards

Visa Cashback

Visa Low Rate

9.90

% -

17.90

%

14.90

% -

20.90

%

7.90

% -

15.90

%

based on your 
creditworthiness

based on your
creditworthiness

based on your 
creditworthiness

Penalty APR 

17.90%

20.90%

17.90%

When the Penalty 
APR Applies 

Paying Interest 

This APR may be applied to your account if you make a late payment.
How long with the Penalty APR apply? If your APR is increased due to a late 
payment, the Penalty APR will apply until you make six consecutive minimum pay-
ments when they are due.

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. We will begin charging interest on cash advances and balance 
transfers on the transaction date.

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.

Annual (cid:54)(cid:72)(cid:85)(cid:89)(cid:76)(cid:70)(cid:72)(cid:3)(cid:38)(cid:75)(cid:68)(cid:85)(cid:74)(cid:72)

None

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Transaction (cid:54)(cid:72)(cid:85)(cid:89)(cid:76)(cid:70)(cid:72)(cid:3)
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• Cash Advance
• Balance Transfer
• Foreign Transaction

None 
None
Up to 2% of the US dollar amount of the foreign transaction. 
This fee applies to any credit card transaction made at a location in a foreign coun-
try, or payable to a merchant located in a foreign country even if you initiate the 
transaction from within the United States.

Penalty(cid:3)(cid:54)(cid:72)(cid:85)(cid:89)(cid:76)(cid:70)(cid:72)(cid:3)(cid:38)(cid:75)(cid:68)(cid:85)(cid:74)(cid:72)s

• Late Payment
• Over-the-Credit Limit
• Returned Payment

Up to $25 
None
$25 

Other (cid:54)(cid:72)(cid:85)(cid:89)(cid:76)(cid:70)(cid:72)(cid:3)(cid:38)(cid:75)(cid:68)(cid:85)(cid:74)(cid:72)s:
Replacement Card 
Rush Replacement Card  $10
$30
Rush Delivery of Card 

$5

How We Will Calculate Your Balance:  We use a method called “average daily balance” (including new purchases). 

The above rates and fees are effective as o(cid:73)(cid:3)(cid:48)(cid:68)(cid:92)(cid:3)(cid:21)6(cid:15)(cid:3)(cid:21)(cid:19)(cid:21)(cid:20)(cid:17)

© 2021 Farleigh Wada Witt. All Rights Reserved.

CC App Disc • 04-30-21