TwinStar Credit Union 
VISA Credit Card Application Disclosures 

VISA – Rates & Fees 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances  

Penalty APR 

How to Avoid Paying Interest on 
Purchases 

1.9%  introductory  period  for  6  months  on  Platinum;  Platinum 
Rewards; and Classic accounts. 
After  that  your  APR  will  be  9.25% – 11.25%  based  on  the 
Visa  account  type  and  credit  limit.  This  APR  will  vary  with  the  market 
based on the Prime Rate. 

6.25% – 8.25% When you open your account, based on the Visa account 
type  and  credit  limit.  This  APR  will  vary  with  the  market  based  on  the 
Prime Rate. 

12.25% – 14.25%  When  you  open  your  account,  based  on  the  Visa 
account type and credit limit. The APR will vary with the market based on 
the Prime Rate. 

18.0% - This APR may be applied when your minimum monthly payment 
is more than 60 days late. 
How  long  will  the  Penalty  apply?    If  your  APR  is  increased  for  this 
reason,  the  Penalty  APR  will  apply  until  you  make  six  consecutive 
minimum payments when due 

Your due date is at least 21 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 Grace Period End due date each month. 

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 Fee 

Transaction Fees 

 

Foreign Transaction Fee 

FEES 

$25 for Platinum Rewards VISA 
None for Platinum or Classic VISA 

Up  to  2%  of  the  US  dollar  amount  of  the  foreign  transaction,  minimum 
$2.50 

Penalty Fees 

 

Late Payment Fee 

  Returned Check Fee 

$20 
$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  Penalty  APR  if  you  make  a  late 
payment. 

Balance  Transfers:  Only  balances  transferred  from  an  existing  credit  card  account  to  your  TwinStar  credit  card 
account will qualify as a Balance Transfer. Balances from other types of loans may not be applied to your TwinStar 
credit card account as a Balance Transfer and the Cash Advance APR will apply to such transfers. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
account agreement 

We reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are 
current as of June 10, 2016.