Interest Rates and Other 
Charges 

VISA Signature 

Annual Percentage Rate (APR) for 
Purchases 

9.90% to 18.00% 

APR for Cash Advances 

9.90% to 18.00% 

Penalty APR and When It Applies 

16.90% to 18.00% 

This APR may be applied to your account if you: 

1) Make a late payment 
2) Go over your credit limit 

How Long Will the Penalty APR 
Apply? 

How long will the penalty APR apply?  If your APRs are increased for any of 
these reasons, the Penalty APR will apply until you make six consecutive 
minimum payments when due. 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle.  We will 
not charge you interest on NEW 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. 

Minimum Interest Charge 

$0 

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 of the Consumer Financial Protection Bureau at: 
http://www.consumerfinance.gov/learnmore 

FEES 

Annual Fee 

None 

Card Replacement 

$5.00 per card 

Rush Fee 

Transaction Fees 

  Cash Advance 

  Foreign Transaction 

Penalty Fees 

  Late Payment 

  Over-the-Credit Limit 

  Returned Payment 

$35.00 

None 

None 

Up to $25 

Up to $25 

Up to $25 

How We Will Calculate Your Balance:  We use a method called "average daily balance (including new purchases).”  See your credit card agreement 
for more details.   
Billing Rights: Information regarding your rights to dispute transactions and how to exercise those rights is provided with your VISA card. 
Cash Back Rewards: Your Account must be open and in good standing (i.e. not cancelled, terminated by either party or otherwise not available for 
your use as a payment method) at the time your order is received for processing. Christian Financial Credit Union reserves the right to suspend your 
participation in the Program until the Account is in good standing. Cash Back rewards expire at the end of the 5th calendar year from which the 
cardholder earned the reward. This Program may be modified, suspended or canceled at any time without restriction or penalty. CashBack credit may 
be forfeited due to violations of these Rules. This Program is void where prohibited or restricted by law. You are responsible for any federal, state or 
local income or other taxes.