5/18/2016 Provident�Credit�Union:�Credit�Cards�(Visa):�Rates
http://providentcu.org/index.asp?i=visaRates 1/1For�best�print�results,�click�on�the�"Print"�link�under�the�on�screen�page�headline�(available�on�most
pages).
RATES, FEES, AND TERMS
Show�Information�For:
To�see�rates,�terms,�&�fees�for�a�different�card,�select�it�from�the�menu�above.Cash�Back�Visa
�
Annual�Percentage�Rate�(APR)�for
Purchases0.00%�introductory�APR�on�purchases�during�the�first�fourteen�(14)
months�on�account�opening.
Thereafter,�your�APR�for�purchases�will�be�11.24%�to
16.24%.�This�APR�will�vary�with�the�market�based�on�the�Prime
Rate*.
APR�for�Balance�Transfers0.00%�introductory�APR�for�the�first�fourteen�(14)�billing�cycles�for
balances�transferred�within�60�days�from�account�opening.
After�that�the�APR�will�be�12.24%�to�17.24%.�This�APR�will
vary�with�the�market�based�on�the�Prime�Rate.
APR�for�Cash�Advances 18.00%.�This�APR�will�vary�with�the�market�based�on�the�Prime
Rate.
Penalty�APR�and�when�it�applies18.00%�APR.�This�APR�may�be�applied�to�your�account�if�your
account�is�past�due�by�two�minimum�payments.
How�long�will�the�Penalty�APR�apply?�If�your�APRs�are�increased�for�this
reason,�the�Penalty�APR�will�apply�until�you�make�six�consecutive
minimum�payments�when�due.
Minimum�Interest�Charge If�you�are�charged�interest,�the�charge�will�be�no�less�than�$.50.
How�to�Avoid�Paying�Interest�on
PurchasesYour�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.�We�will�begin�charging�interest�on
cash�advances�and�balance�transfers�on�the�transaction�date.
For�Credit�Card�Tips�from�the
Consumer�Financial�Protection�BureauTo�learn�more�about�factors�to�consider�when�applying�for�or�using�a
credit�card,�visit�the�Web�site�of�the�Consumer�Financial�Protection
Bureau.Interest�Rate�and�Interest�Charges (Effective�May�18,�2016)