P.O. Box 20541 
Atlanta, GA 30320-2541 

CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE 

Interest Rates and Interest Charges 

Annual Percentage 
Rate (APR) for 
Purchases 
APR for Balance 
Transfers 
APR for Cash 
Advances 
Penalty APR and 
When it Applies 

Visa Platinum Rewards  
11.25% to 15.25%, based on your creditworthiness 
Your APR will vary with the market based on the Prime Rate 

11.25% to 15.25%, based on your creditworthiness  
This APR will vary with the market based on the Prime Rate 
11.25% to 15.25%, based on your creditworthiness 
This APR will vary with the market based on the Prime Rate 
16.25% to 20.25%, based on your creditworthiness 
This APR will vary with the market based on the Prime Rate 

This APR may be applied to the entire balance on your account if you: 
-  Make a late payment 

How Long Will the Penalty APR Apply? If Your APRs are increased 
for this reason, the Penalty APR will apply until you make at least six 
(6) minimum payments by the payment due date as shown in your 
monthly statement. 
Your due date is at least 25 days after the close of each billing cycle.  
We do not charge you interest on 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.  
None 

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  

Paying Interest 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Fees 
Annual Fee 
Transaction Fees 
-  Cash Advance  
-  Foreign 

Transaction Fee 

Penalty Fees 
-  Late Payment 

Fee 

-  Over-the-Credit 

Limit Fee 
-  Returned 

Payment Fee 

None 

$3.00 
1.00% of each multiple currency transaction in U.S. dollars 
0.80% of each single currency transaction in U.S. dollars 

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).” 

Effective Date: The information about the costs of the card described in this disclosure is accurate as 
of November 10, 2019. This information may have changed after that date.  For more information 
please contact us at 1-800-544-3328. 

OTHER DISCLOSURES 

Late Payment Fee - 

Returned Payment Fee - 

$25.00 or the amount of the required minimum payment, whichever is  
less, if you are ten (10) or more days late in making a payment. 
$25.00 or the amount of the required minimum payment, whichever is 
less. Returned payment fees are assessed for both returned checks 
and for returned auto transfer payments that are NSF on the due date. 

Statement Copy Fee -             $3.00 
Document Copy Fee -  
$6.00 
$15.00 Weekday 
Rush Fee - 
$30.00 Saturday 
$15.00 
$0.00 

Stop Payment Fee - 
Payment Holiday Fee -