3999 East Arapahoe Road
Centennial, Colorado  80122
(303) 740-7063 / (303) 740-7164 (Fax)
www.arapahoecu.org

This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card 
Agreement. 
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

VISA CLASSIC
CREDIT CARD ACCOUNT OPENING DISCLOSURE

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Cash Advances 
APR for Balance Transfers 
Paying Interest 

12.90% 

For Credit Card Tips from the 
Federal Reserve Board 

Fees 
Transaction Fees 
•  Foreign Transaction Fee 
Penalty Fees 
•  Late Payment Fee 
•  Returned Payment Fee 

None 

Up to $25.00 
Up to $25.00 

12.90% 
12.90% 
Your due date is at least 21 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.  
To learn more about factors to consider when applying for or 
using a credit card, visit the Web site of the Federal Reserve 
Board at http://www.federalreserve.gov/creditcard. 

How  We  Will  Calculate  Your  Balance.  We  use  a  method  called  “average  daily  balance  (including  new 
purchases).” See your account Agreement for more details. 

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in 
your account Agreement.  

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Rush Fee 
PIN Replacement Fee 
Card Replacement Fee 

Periodic Rates. 

$25.00     or the amount of the required minimum payment, 
whichever is less, if you are late in making a payment 
$25.00     or the amount of the required minimum payment, 
whichever is less 
$25.00 
$10.00 
$20.00 

The Purchase APR is 12.90%   which is a monthly periodic rate of 1.0750%. 
The Cash Advance APR is 12.90%   which is a monthly periodic rate of 1.0750%. 
The Balance Transfer APR is 12.90%   which is a monthly periodic rate of 1.0750%. 

© CUNA MUTUAL  GROUP,  20 09, ALL RIGHTS RESERVED

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