This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.
Please keep this attached to your LOANLINER Consumer Credit Card Agreement. 

VISA PLATINUM (NON-VARIABLE)
CREDIT CARD ACCOUNT OPENING DISCLOSURE

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Balance Transfers 
APR for Cash Advances 
Penalty APR and When it Applies 

10.99%-17.99%
10.99%-17.99%3
F10.99%-17.99%4
F18.00%5

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

This APR may be applied to your account if you: 

-  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six 
consecutive minimum payments when due. 
Your due date is at least 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. We will begin charging interest on 
balance transfers and cash advances on the transaction date.  
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. 

F1.00%6   of each multiple currency transaction in U.S. dollars
F0.80%7   of each single currency transaction in U.S. dollars

Up to $15.00 F8
Up to $25.00 F9
Up to $20.00 F10

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  

OTHER DISCLOSURES 

Late Payment Fee 

Over-the-Credit Limit Fee 

F$15.0011    

 or the amount of the required minimum payment, whichever is

less, if you are ten or more days late in making a payment. 

F$25.0011    

 or the amount of the transaction exceeding your credit limit,

whichever is less. 

Returned Payment Fee 

F$20.0011    

 or the amount of the required minimum payment, whichever is

Statement Copy Fee 
Card Replacement Fee 
Research Fee 
Photocopy Fee 

less. 
F14    
F15    
F16  
F17    

F$2.0011    
F$10.0011    
F$30.0011    
F$2.0011    

 per hour 

Collection  Costs:  You  agree  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement,  including  court 
costs and, if the amount you borrowed was greater than $1,000.00, reasonable attorney's fees. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DIDBI4 (MXC453 CCM003)-e

Rev. 7/2016