MSUFCU Platinum Visa Credit Card Disclosure

Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases

8.9% to 16.9% based on your creditworthiness

APRs for Balance 
Transfers

0% introductory APR for six (6) months from date of account opening. Rate then reverts to 
standard rate (8.9% to 16.9%) based on your creditworthiness.

APRs for Cash Advances

8.9% to 16.9% based on your creditworthiness

Penalty APR and 
When It Applies

17.9%
The Penalty APR is applied if your account becomes delinquent 60 days.

How Long Will the Penalty APR Apply? The Penalty Annual Percentage Rate will apply 
indefinitely.

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. 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau

Fees

Transaction Fees
•   International 

transaction and cash 
advance fees

Penalty Fees
•  Late Payment

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

1% for ATM transactions 

3% for all other transactions calculated after the transaction has been converted to U.S. dollars

$25 if the minimum payment due is $25 or more;
$15 if the minimum payment due is $15 to $24.99; or
$0 if the minimum payment due is less than $15.

Other Fees
•   Returned Convenience 

$25

Check

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 your account becomes delinquent 60 days.