APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

VISA PLATINUM/VISA PLATINUM REWARDS
GLOBAL GOOD/STUDENT REWARDS/VISA ULTIMATE CASHPERKS

Visa Platinum
0.00%
from account opening.

 Introductory APR, for qualifying members, for

12 billing cycles

After that, or if you do not qualify for the Introductory APR, your APR will be
9.90%

, based on your creditworthiness.

17.90%

 to

Visa Platinum Rewards/Global Good/Student Rewards
0.00%
from account opening.

 Introductory APR, for qualifying members, for

12 billing cycles

After that, or if you do not qualify for the Introductory APR, your APR will be
13.65% 21.65%
 to
will vary with the market based on the Prime Rate.

, based on your creditworthiness. This APR

Visa Ultimate CashPerks
0.00%
from account opening.

 Introductory APR, for qualifying members, for

12 billing cycles

After that, or if you do not qualify for the Introductory APR, your APR will be
12.65% 15.15%
 to
will vary with the market based on the Prime Rate.

, based on your creditworthiness. This APR

Visa Platinum
0.00%
account opening.

Introductory APR, for qualifying members, for

12 billing cycles

 from

APR for Balance Transfers

After that, or if you do not qualify for the Introductory APR, your APR will be
9.90%

, based on your creditworthiness.

17.90%

 to

Visa Platinum Rewards/Global Good/Student Rewards
0.00%
account opening.

Introductory APR, for qualifying members, for

12 billing cycles

 from

After that, or if you do not qualify for the Introductory APR, your APR will be
13.65%
, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.

21.65%

 to

Visa Ultimate CashPerks
0.00%
account opening.

Introductory APR, for qualifying members, for

12 billing cycles

 from

After that, or if you do not qualify for an Introductory APR, your APR will be
12.65%
the market based on the Prime Rate.

, based on your creditworthiness. This APR will vary with

15.15%

 to

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04800387-MXC10-C-6-042922 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

Visa Platinum
9.90%

to

17.90%

, based on your creditworthiness.

Visa Platinum Rewards/Global Good/Student Rewards
13.65%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

21.65%

to

Visa Ultimate CashPerks
12.65%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

15.15%

to

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
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee

- Cash Advance Fee
- Foreign Transaction Fee - Visa
Platinum, Visa Platinum Rewards/Global
Good/Student Rewards
- Foreign Transaction Fee - Visa Ultimate
CashPerks
- Transaction Fee for Purchases

Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None

$10.00 or 3.00% of the amount of each balance transfer, whichever is
greater
$3.00
1.00% of each transaction in U.S. dollars

None

None

Up to $25.00
None
Up to $25.00

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 purchases and balance transfers will apply to
12 billing cycles
transactions posted to your account during the first
following the opening of your account. Any existing
balances on Summit Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance
transfers.

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.

July 01, 2022

For California Borrowers, the Visa Platinum, Visa Platinum Rewards, Global Good, Student Rewards, and Visa
Ultimate CashPerks 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.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04800387-MXC10-C-6-042922 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

Other Fees & Disclosures:
Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more
days late in making a payment.

Balance Transfer Fee (Finance Charge): $10.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge): $3.00.

Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee: $5.00.

Document Copy Fee: $3.00.

Rush Fee: $55.00.

Statement Copy Fee: $5.00.

Global Good: Summit Credit Union will donate 15.00% of the interchange fee on every purchase you make to the
Worldwide Foundation for Credit Unions. Donations from your purchases help provide access to the financial building
blocks needed to support families and strengthen economies in communities around the world.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04800387-MXC10-C-6-042922 (MXC102-E)