Oregon Community Credit Union   
Platinum Visa� Credit Card Solicitation Disclosures  
INTEREST RATES 
AND CHARGES  NICE� Platinum Visa�  
 NICE PERKS� Platinum Visa�  Duck Card� or OSU Beaver Card  
Platinum Visa� 
Annual 
percentage rate 
(APR) for 
purchases  0.00%  introductory APR for 12 billing 
cycles.  
After that your APR will be, 8.99% to 18.99 %, 
based on your creditworthiness when you open your account.  
This APR will vary with the market based on the prime rate.* 0.00%  introductory APR for 12 billing 
cycles.  
After that your APR will be, 9.99% to 19.99 %, 
based  on your creditworthiness when you open your account.  
This APR will vary with the market based on the prime rate.* 0.00%  introductory APR for 12 billing 
cycles.  
After that your APR will be, 9.99% to 19.99 %, 
based on your creditworthiness when you open your account.  
This APR will vary with the market based on the prime rate.* 
APR for balance 
transfers  (up to 
80% of credit 
limit)  0.00%  introductory APR for 12 billing cycles from the 
account opening date, for balance transfers completed within 60 
days of the account opening date . 
After that your APR will be, 8.99% to 18.99 %, 
based on your creditworthiness when you open your account.  
This APR will vary with the market based on the prime rate.* 0.00%  introductory APR for 12 billing cycles from the 
account opening date, for balance transfers completed within 60 
days of the account opening date . 
After that your APR will be, 9.99% to 19.99 %, 
based on your creditworthiness when you open your account.  
This APR will vary with the market based on the prime rate.* 0.00%  introductory APR for 12  billing cycles from the 
account opening date, for balance transfers completed within 60 
days o f the account opening date . 
After that your APR will be, 9.99% to 19.99 %, 
based on your creditworthiness when you open your account.  
This APR will vary with the market based on the prime rate.* 
APR for cash 
advances  13.99 % to 23.99 %, based on your creditworthiness when you 
open your account.  
This APR will vary with the market based on the prime rate.* 14.99 % to 24.99 %, based on your creditworthiness when you open 
your account.  
This APR will vary with the market based on the prime rate.* 14.99 % to 24.99 %, based on your creditworthiness when you 
open your account.  
This APR will vary with the market based on the prime rate.* 
Paying interest  Your due date is at least 25 days after the close of each billing 
cycle. We will not charge any interest on th e 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.  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.  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 . 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 . 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  None  None  
Transaction fees: 
Cash advance fee 
Balance transfer 
fee 
Foreign 
transaction fee  
$10 or 3% of the amount of each cash advance, whichever is 
greater.  
$10 or 3% of the amount of each balance transfer, whichever is 
greater.  
None .  
$10 or 3% of the amount of each cash advance, whichever is 
greater.  
$10 or 3% of the amount of each balance transfer, whichever is 
greater.  
None .  
$10 or 3% of the amount of each cash advance, whichever is 
greater.  
$10 or 3% of the amount of each balance transfer, whichever is 
greater.  
None . 
Penalty fees: 
Late payment fee 
Returned 
payment fee  
Up to  $25. 
Up to  $25.  
Up to  $25. 
Up to  $25.  
Up to  $25. 
Up to  $25. 
How we will calculate your balance:  We use a method called �average daily balance� (including new purchases).  
Loss of introductory APR:  We may end your introductory APR and apply the non-Introductory APR if you do not pay the full amount of any minimum payment due within 60 days of its pay ment due date.  
Billing rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Account A greement.  
Program terms : Introductory terms and bonus reward offers are for new cardholders only. If you have received the benefit of a card promotion  on an OCCU credit card product in the past 24 months you are not eligible for this 
promotion.  We will not process any balance tr ansfer request to pay off or pay down any account or loan issued by Oregon Community Credit Union, or our affiliates.  
*The APR is based on the prime rate of 3.25% as of  April 1, 20 20. The above rates and fees are  effective as of February  1, 20 22.