Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

Visa Platinum - Preferred Rate 
F2             or F3             when you open your account, 
based on your creditworthiness. 

Visa Platinum 
F4             or F5             when you open your account, 
based on your creditworthiness. 

Visa Platinum Rewards - Preferred Rate 
F6             or F7             when you open your account, 
based on your creditworthiness. 

Visa Platinum Rewards 
F8             or F9             when you open your account, 
based on your creditworthiness. 
Visa Platinum - Preferred Rate 
F10           Introductory APR, for qualifying members, until  
F11           

After that your APR will be F12           or F13           based on your 
creditworthiness.  

Visa Platinum 
F14           or F15           when you open your account, based on your 
creditworthiness. 

Visa Platinum Rewards - Preferred Rate 
F16           Introductory APR, for qualifying members, until  
F17           

After that your APR will be F18           or F19           based on your 
creditworthiness.  

Visa Platinum Rewards 
F20           or F21           when you open your account, based on your 
creditworthiness. 
Visa Platinum - Preferred Rate 
F22           or F23           when you open your account, based on your 
creditworthiness. 

Visa Platinum 
F24           or F25           when you open your account, based on your 
creditworthiness. 

Visa Platinum Rewards - Preferred Rate 
F26           or F27           when you open your account, based on your 
creditworthiness. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

Visa Platinum Rewards 
F28           or F29           when you open your account, based on your 
creditworthiness. 

DWIOM0 (MXC402 CCM002)-e  
SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 
For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
F30           
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 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

F31           

F32           
F33           
F34           of each multiple currency transaction in U.S. dollars 
F35           of each single currency transaction in U.S. dollars 
F36           

Up to F37            
F38           
Up to F39           

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

Promotional Period for Introductory APR. The Introductory APR for balance transfers will apply to transactions posted 
to your account from F40                      until F41            

Effective Date.  
The information about the costs of the card described in this application is accurate as of F42            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 

F43           or the amount of the required minimum payment, whichever 
is less, if you are five (5) or more days late in making a payment. 
F44           or the amount of the required minimum payment, whichever 
is less. 
F45           
F46           
F47           
F48           

Balance  Transfer  Limitations.    If  you  request  balance  transfers,  such  transfers  must  be  in  amount  not  less  than 
$200.00, nor greater than $10,000.00.  The Introductory APR for Balance Transfers will be in effect for 12 months from 
the issuance of the balance transfer. When the discounted rate expires, the APR on existing balances will increase to the 
new non-discount rate on the first day of the billing cycle after the 12 month period. 

DWIOM0 (MXC402 CCM002)-e