ORANGE COUNTY’S CREDIT UNION

IMPORTANT INFORMATION ABOUT YOUR MASTERCARD® PLATINUM CREDIT CARD


Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

Annual Percentage Rate (APR) for 
Balance Transfers 

Annual Percentage Rate (APR) for 
Cash Advances 
How to Avoid Paying Interest on 
Purchases 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

Fees 
Annual Fee 
Transaction Fees 
•  Balance Transfer 

•  Cash Advances 

•  Foreign Transactions 
Penalty Fees 
•  Late Payment 

0% introductory APR for the first 6 months that your account is open. 
After that your APR will be 10.49% to 18.49% based on your 
creditworthiness. The APR will vary with the market based on Prime 
rate. 
0% introductory APR for the first 6 months that your account is open. 
After that your APR will be 10.49% to 18.49% based on your 
creditworthiness. The APR will vary with the market based on the 
Prime Rate. 
20.49% 
This APR will vary with the market based on the Prime Rate. 
Your due date is 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 

None 

$0 Introductory Fee for Balance Transfers made in the first 6 months 
that your account is open. After that your fee will be 2.00% of the 
amount of the Balance Transfer, but not less than $5.00 nor greater than 
$50.00 per Balance Transfer. 

2.00% of the amount of the Cash Advance, but not less than $5.00 nor 
greater than $50.00 per Cash Advance. 

1.00% of each foreign transaction in U.S. Dollars. 

Up to $7 if the Minimum Payment Due is not paid within 5 days of the 
Payment Due Date. 

•  Returned Payment 

Up to $25.00. 

How We Will Calculate Your Balance:  We use a method called “Average Daily Balance (Including Current 
Transactions).” 

The information about the costs of the card described in this application is accurate as of January 1, 2019. This 
information may have changed after that date. To find out what may have changed, call us at (888) 354-6228. 

Takeone 01-01-2019 
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