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 

Annual Percentage Rate (APR) for 
Balance Transfers 

Annual Percentage Rate (APR) for 
Cash Advances 

How to Avoid Paying Interest on 
Purchases 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

Fees 
Annual Fee 
Transaction Fees 
•  Balance Transfer 

•  Cash Advances 

•  Foreign Transactions 

Penalty Fees 
•  Late Payment 

11.49% to 19.49% based on your 
creditworthiness. The APR will vary with the 
market based on Prime rate. 
11.49% to 19.49% based on your 
creditworthiness. The APR will vary with the 
market based on the Prime Rate. 
20.49% 
This APR will vary with the market based on the 
Prime Rate. 
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. 
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 

None 

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. 

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. 

Takeone 01-01-2019 
1009 10 003