TTCU credit card information : The information about the costs ofthe cards described in this application is accurate as of 5/13/2013 This information may have changed after that date. To find out what may have changed, call us at 1-800-234-8828. Write us at PO Box 4999, Tulsa, Oklahoma 74159. Note: Platinum Card minimum credit line is $1,000.
Interest Rates and Interest Charges	
Features	VISA PLATINUM CARD
Annual Percentage Rate (APR) for Purchases	9.90% to 18.99% based on your creditworthiness when you open the account. After that, your APR will vary with the market based on the Prime Rate asset out in the Variable - Rate information section of your Agreement.
Annual Percentage Rate (APR) for Cash advances and Balance Transfers	9.90% to 18.99% based on your creditworthiness when you open the account. After that, your APR will vary with the market based on the Prime Rate asset out in the Variable-Rate information section of your Agreement.
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. 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 ofthe Consumer Financial Protection Bureau at http://consumerfinance.gov/learnmore.
How We Will Calculate Your Balance: We use the method called the "average daily balance (including new purchases)”.
Fees	
Annual Fee	None
Transaction Fees	
Transaction fee for Cash Advances and Balance Transfers	0% of advance
Foreign Transaction	.8% of each transaction in US dollars
Foreign Transaction	1.0% ofthe converted transaction amount
Penalty Fees	
Late Payment	Up to $15.00
Returned Check or ACH Fee	Up to $15.00
Billing Rights: Information on your right to dispute transactions and how to exercise those rights is provided in your account agreement.
I/We are making application for a TTCU credit card account indicated above. I/We, by signing, using, or permitting another to use the credit card, agree that l/we will be bound by the terms and conditions ofthe Card Holder Agreement which will be provided as well as all amendments. Everything that l/we have stated in the application is reasonably correct and is made for the purpose of obtaining credit. I/We authorize the dissemination of the information contained herein, on the application and other loan documents to joint applicants. I/We understand that you will retain this application and all supporting documents you require whether or not it is approved. You are authorized to periodically check my credit and employment status and history. You are authorized to answer questions about your credit experience with me, from other lenders, other departments ofthe credit union and appropriate credit reporting agencies. You are authorized to store personal and financial information and loan documentation electronically in lieu of paper documents. I/We understand that approved identification will be required to complete this transaction in accordance with the Patriot Act.
I/We grant TTCU a security interest in all of my credit union shares and deposits to secure this credit card account. TTCU may apply funds from my accounts toward any amount owing on my credit card account at any time without further notice.
NCUA

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