How W e Calculat e Your Balance: We us e a method called �average dail y balance ( including n ew p urchases)�. 
See ca rdholder agreemen t for c omplete d etails. 
Billing R ights: Information o n your rights to d ispute tr ansactions and h ow to e xercise t hose r ights is provided i n your a ccount 
agreement. 
*Your s tandard APR may v ary a nd is based o n Prime R ate. Y our rate i s determined b y adding a m argin t o the P rime R ate. T he
Prime Rate Index used to determine your APR is the rate published i n The Wall Street Journal quarterly (January, April, July and
October) and changes are effective as the first day of your next billing cycle. Current rate as of March 17th, 2020 .
See c ardholder a greemen t for c omplete d etails.
TruStoneFinancial.org | 763.544.1517 | 800.862.1998 
  
Annual Percentage Rate  
(APR) for Purchases 8.90% - 15.65%  APR* 
This APR w ill vary with the market based on the Wa ll Street Journal� s Highest 
Published Prime .
APRs for Balance Transfers  8.90% - 15.65%  APR*  
This APR w ill vary with the market based on the Wa ll Street Journal� s Highest 
Published Prime .
APRs for Cash Advances  8.90% - 15.65%  APR*
This APR w ill vary with the market based on the Wa ll Street Journal� s Highest 
Published Prime .
Penalty APR and When it Applies  None  
Minimum Interest Charge  None  
How to Avoid Paying Interest on 
Purchases 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.  
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.  
 
Set-up and Maintenance Fees  
Annual Fee  None  
Transaction Fees  
�Balance Transfer�Cash Advance
�Foreign TransactionNone None None 
Penalty Fees  
�Late Payment�Over-the-Credit Limit
�Returned PaymentUp to $25 None 
Up to $25 Important Terms and Conditions
Visa� Pl atinum Credit Card Effective 
March 17th , 2020  
Interest Rates and Interest Charges  
Fees