APPLICATION AND
SOLICITATION
DISCLOSURE

VISA SIGNATURE REWARDS/VISA PLATINUM/VISA GOLD/VISA CLASSIC

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Signature Rewards
12.74% 19.24%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Platinum
7.74%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

9.74%

 to

Visa Classic
13.46% 20.46%
 to

, based on your creditworthiness.

Visa Gold
8.74%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

13.74%

 to

APR for Balance Transfers

Visa Signature Rewards
0.00%
August 31, 2021

billing cycle.

 Introductory APR, for qualifying members, until

After that, or if you do not qualify for the Introductory APR, your APR will be
12.74%
, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.

19.24%

 to

Visa Platinum
0.00%
August 31, 2021

 Introductory APR, for qualifying members, until

billing cycle.

After that, or if you do not qualify for the Introductory APR, your APR will be
7.74%
, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.

9.74%

 to

Visa Classic
0.00%
August 31, 2021

 Introductory APR, for qualifying members, until

billing cycle.

After that, or if you do not qualify for the Introductory APR, your APR will be
13.46%

, based on your creditworthiness.

20.46%

 to

Visa Gold
0.00%
August 31, 2021

 Introductory APR, for qualifying members, until

billing cycle.

After that, or if you do not qualify for the Introductory APR, your APR will be
8.74%
, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.

13.74%

 to

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.

20210201

04501738-MXC10-C-6-120720 (MXC101-E)

APR for Cash Advances

Visa Signature Rewards
12.74%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

19.24%

to

Visa Platinum
7.74%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

9.74%

to

Visa Classic
13.46%

to

20.46%

, based on your creditworthiness.

Visa Gold
8.74%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

13.74%

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

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.

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
Transaction Fees
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars

Up to $20.00
Up to $20.00

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
until
card accounts are not eligible for the Introductory APR for balance transfers.

March 31, 2021

. Any existing balances on University Of Virginia Community Credit Union Inc loan or credit

February 1, 2021

Effective Date:
The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

February 1, 2021

For California Borrowers, the Visa Signature Rewards, Visa Platinum, Visa Classic and Visa Gold are secured
credit cards. Credit extended under this credit card account is secured by various personal property and money
including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically
pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or
joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account
that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have
with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that
during any periods when you are a covered borrower under the Military Lending Act your credit card will be
secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any
individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you
establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered
borrower.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.

20210201

04501738-MXC10-C-6-120720 (MXC101-E)

Other Fees & Disclosures:
Late Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a
payment.

Returned Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less.

Rush Fee:
$20.00.

Document Copy Fee:
$3.50.

Statement Copy Fee:
$3.50.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

20210201

04501738-MXC10-C-6-120720 (MXC101-E)