11/1/21, 3:21 PM

Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union

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Important Note 10/29/2021:  We've been made aware of scammers posing
as HVCU and who are sending emails that request members to click a link to
conﬁrm their account ownership or update their billing information. If you’ve
received an email with a suspicious link, stop and think before you click. The FTC
outlines simple ways you can avoid a phish and keep your information out of
scammers’ hands.

Disclosure Information for
Visa Platinum, Visa Platinum
Rewards, Visa Signature, &
Visa Platinum Cash Rewards

The Visa Platinum introductory APR applies only to new credit card
accounts opened on or after May 12, 2021. Not available for HVCU
credit line increases, reﬁnances, or HVCU credit card transfers. No
exceptions will be made or considered. Oﬀer may withdrawn at any
time by HVCU without further notice to you. 

Credit Card Rates Eﬀective June 24, 2021

Interest Rates and
Interest Charges

Annual Percentage
Rate (APR) for
Purchases

Visa® Platinum

0%
introductory APR for 12
months. After that your
APR will be

https://www.hvcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

11.25% to
15 50%

Visa® Platinum
Rewards
12.25% to
16.50%

when you open your
account, based on your
creditworthiness. After
that your APR will vary

Visa® Sig

13.25
13.50

when you
account, b
creditwor
that your

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11/1/21, 3:21 PM

Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union

that, your APR will vary
with the market based
on the Prime Rate.

that, your 
with the m
on the Pri

15.50%
when you open your
account, based on your
creditworthiness. After
that, your APR will vary
with the market based
on the Prime Rate.

APR for Balance
Transfers

12.25% to 16.50%  
This APR will vary with
the market based on the
Prime Rate.

13.25% to
This APR w
the marke
Prime Rat

0% introductory APR for
12 months. After that,
your APR will be
11.25% to 15.50%.  
This APR will vary with
the market based on the
Prime Rate.

APR for Cash Advances 0% introductory APR for

12 months. After that,
your APR will be11.25%
to 15.50%.  
This APR will vary with
the market based on the
Prime Rate.

12.25% to 16.50%  
This APR will vary with
the market based on the
Prime Rate.

13.25% to
This APR w
the marke
Prime Rat

Penalty APR and When
it Applies

None

None

None

Paying Interest

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

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

Your due d
25 days af
of each bi
will not ch
interest on

https://www.hvcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

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11/1/21, 3:21 PM

Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union

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.

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.

you pay yo
balance b
each mon
begin cha
on cash ad
balance tr
transactio

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
www.consumerﬁnance.gov

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
www.consumerﬁnance.gov

/learnmore.

/learnmore.

To learn m
factors to 
when app
using a cr
the websi
Consume
Protection
www.consu

/learnmore

For Credit Card Tips
from the Consumer
Financial Protection
Bureau

Fees

Annual Fee

NA

NA

$49 (waive
year)

Transaction Fees

Cash Advance

2% of advance amount

2% of advance amount

2% of adv

Foreign Transaction

Exchange Rate plus 1%
of transaction

Exchange Rate plus 1%
of transaction

Exchange

Penalty Fees

https://www.hvcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

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Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union

Late Payment

up to $29

up to $29

up to $29

How We Will Calculate Your Balance: We use a method called
“average daily balance” (including new purchases, cash advances,
and balance transfers). See the Variable Rate Credit Card Agreement
and Truth in Lending Disclosure for more details. 

Billing Rights: Information on your rights to dispute transactions
and how to exercise those rights are provided in the Variable Rate
Credit Card Agreement and Truth in Lending Disclosure. 

Your new credit card has a variable rate. Additional rate information
is as follows:

Visa® Platinum

Visa® Platinum
Rewards

Visa® Sig

0.9375% to 1.2917%

1.0208% to 1.375%

1.1041% t

MONTHLY PERIODIC
RATE FOR APR SHOWN
ABOVE FOR
PURCHASES, CASH
ADVANCES, AND
BALANCE TRANSFERS

MARGIN

8.00% to 12.25%

9.00% to 13.25%

10.00% to

https://www.hvcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

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11/1/21, 3:21 PM

Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union

The Annual Percentage rate and monthly periodic rate above is in
eﬀect until the next monthly change. Refer to your Variable Rate
Credit card Agreement and Truth in Lending Disclosure for more
information regarding your variable rate.

https://www.hvcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

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