CREDIT CARD SOLICITATION DISCLOSURE 

16320 Kensington Drive, 
Sugar Land, TX 77479 
(281) 243-0500
www.houstonfcu.org
IF YOU ARE APPLYING FOR A CREDIT CARD, THE FOLLOWING IS YOUR REQUIRED DISCLOSURE INFORMATION - The information provided in this 
disclosure is accurate as of _____________________. The information may have changed after that date. To find out what may have changed call us at  
877-389-3480 or write us at 16320 Kensington Drive, Sugar Land, Texas 77479. Before we approve you for a credit card, we will review your credit report, and 
the information you provide with your application to confirm that you meet the criteria for this offer. The full terms and conditions will be outlined in the Credit 
Card Agreement and Disclosure which will be sent to you with the new card(s).

3-18-2020

Interest Rates and Interest Charges 

ANNUAL PERCENTAGE RATE 
for Purchases, Balance Transfers 
and Cash Advances 

Visa Platinum Prime Lock - 2.99% Introductory APR for 180 days from the issuance of the card. After
that our APR will be 3.25%.  This APR will vary with the market based on the Prime Rate.
Visa  Platinum  Advantage/Visa  Platinum  Family  - 2.99%  Introductory  APR  for  180  days  from  the
issuance of the card. After that our APR will be 5.24% to 15.24% based on your creditworthiness.
This APR will vary with the market based on the Prime Rate. 
Visa Platinum Rewards - 2.99% Introductory APR for 180 days from the issuance of the card.
After that our APR will be 6.24% to 18.00% based on your creditworthiness.  This APR will vary
with the market based on the Prime Rate. 
Visa Secured - 2.99% Introductory APR for 180 days from the issuance of the card.  After that our APR
will  be  5.24%  to  15.24%  based  on  your  creditworthiness.   This  APR  will  vary  with  the  market
based on the Prime Rate. 

How to Avoid Paying Interest on Payments  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.  
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 

For Credit Card Tips from 
the Consumer Financial Protection Bureau 

Fees 

Annual Fee 

Transaction Fees 

$50.00   Visa Platinum Prime Lock Only 

Cash Advance & Balance Transfers 
Foreign Transactions 

None 
1.00% of each transaction U.S. Dollars 

Penalty Fees 

Late Payment Fee 
Over-the-Credit Limit Fee 
Returned Payment Fee 

Up to $15.00 
Up to $15.00 
Up to $30.00 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases)”. 
Variable Rates.  Purchase, Cash Advances and Balance Transfer APRs are based on the Prime Rate (Index) to which we add a margin based on your creditworthiness.   
For Visa Platinum Advantage/Visa Platinum Family & Visa Secured accounts, the applicable margins range from 1.99% to 12.99%. For Platinum Reward accounts, the applicable margins range 
from 2.99% to 12.99%.  The rate for the Visa Platinum Prime Lock is variable and adjusts with the Prime Rate.  No margins are added to the Prime Rate for the Visa Platinum Prime Lock. 
Other Disclosures: 
Late Payment Fee: 
Return Payment Fee: 
Statement Copy Fee: 
Document Copy Fee: 
Rush Fee: 

If your payment is ten (10) or more days late, you will be charged up to $15.00. 
If a check or share draft used to make a payment on your account is returned unpaid, you will be charged a fee, up to $30.00 for each item returned. 
$  2.00 
$  5.00 
$27.50 

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS
The Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent (as defined in the Military Lending 
Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions apply during any period(s) in which you are active military or a dependent under those definitions. They 
do not apply when you are not an active duty member of the military or a dependent.

NOTICE: federal law provides important protections to members of the armed forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a 
member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs 
associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified 
credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). You may call toll-free 844-351-8387 to receive oral 
disclosures.

Call To Report Lost or Stolen
Visa® Credit Cards and Visa® CheckCard
Call 1-800-682-6075
Available 24 hours a day, 7 days a week.

Call To Report Transaction Dispute
Visa® Credit Cards and Visa® CheckCard
Call 1-866-OUR-HFCU (1-866-687-4328)
Available Monday through Friday 8:30 a.m. – 4:30 p.m.
OR
Refer to the back of your Visa® monthly statement
To Protect Your Billing Rights: Disputes need to be reported in writing detailing all pertinent information within 60 days from the receipt of the first statement when the error was discovered.

Copyright 2014 ConmarSystems, Peachtree City, GA  30269 – EFORM 21922-3 Rev. 3/20