Credit Disclosure

Interest Rates and Interest Changes

Annual Percentage Rate (APR) 
for Purchases

0% introductory APR for six (6) months.

After that, your APR will be 12.9%.

APR for Balance Transfers

0%  This APR is in effect for six (6) months from the posting date, then 7.9% until 
balance is paid in full. 

APR for Cash Advances

12.9%

How to Avoid Paying Interest 
on Purchases

You have at least 25 days after the close of each statement period to pay your balance in 
full without being charged interest. There is no grace period for cash advances.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

Website for Additional 
Information

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Federal Reserve Board at www.federalreserve.gov/creditcard.

Fees

Maintenance and Set-up Fees

NOTICE: Some of these set-up and maintenance fees may be assessed before you begin 
using your card and will reduce the amount of credit you initially have available.

Annual Fee

Additional Card Fee

Transaction Fees

Balance Transfer Fee

Cash Advance Fee

None

None

None

None

Foreign Transaction Fee

Up to 1% of each transaction in U.S. dollars.

Penalty Fees

Late Payment Fee

Up to $20 assessed ten (10) days after due date.

Returned Payment Fee

Up to $32 

The minimum monthly payment is 2% of your total new balance or the overlimit amount, whichever is greater, but not less than 
$20.00 plus the amount of any unpaid prior payments due. Payments of $10,000 or greater may not be part of your available 
credit for three (3) business days. Your payment is due the 17th of every month.

Cash Rewards Terms & Conditions:
Earn 1% back on all your purchases! The reward will post as a credit to your Visa account annually in January.  Rewards are 
earned on purchases only; returns will be deducted from the calculation. If your account is closed, voluntarily or involuntarily, 
past due or over limit, or inactive you will forfeit all rewards. 

How We Will Calculate Your Balance: We use a method called “average daily balance (including current transactions).” See 
your account agreement under Finance Charge for more details.

Loss of Introductory or Balance Transfer APR: We may end your Introductory APR or Balance Transfer APR if you make a 
late payment.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement.

Information contained in this Credit Disclosure is accurate as of 09/01/2011 and is subject to change thereafter. To obtain more 
recent information, please call us at 1-800-289-5939.

Notre Dame FCU PMG