Visa® Credit Card 

APPLICATION AND SOLICITATION DISCLOSURE 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for Purchases 

Visa Platinum 
0% Introductory APR for a period of twelve (12) billing cycles. 

After that your APR will be 
9.40%, 11.40%, 14.40% or 18.40%, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

Visa Platinum Rewards 
0% Introductory APR for a period of twelve (12) billing cycles.  

After that your APR will be 
10.40%, 12.40%, 15.40% or 19.40%, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

Visa Cash Rewards 
0% Introductory APR for a period of 12 billing cycles. 

After that your APR will be 
11.40%, 13.40%, 16.40% or 20.40%, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

Visa Platinum 
0% Introductory APR for a period of twelve (12) billing cycles. 

After that your APR will be 9.40%, 11.40%, 14.40% or 18.40%, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 

Visa Platinum Rewards 
0% Introductory APR for a period of twelve (12) billing cycles. 

After that your APR will be 10.40%, 12.40%, 15.40% or 19.40%, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 

Visa Cash Rewards 
0% Introductory APR for a period of 12 billing cycles. 

After that your APR will be 11.40%, 13.40%, 16.40% or 20.40%, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

Visa Platinum 
0% Introductory APR for a period of twelve (12) billing cycles. 

After that your APR will be 9.40%, 11.40%, 14.40% or 18.40%, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 

Visa Platinum Rewards 
0% Introductory APR for a period of twelve (12) billing cycles. 

After that your APR will be 10.40%, 12.40%, 15.40% or 19.40%, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 

Visa Cash Rewards 
0% Introductory APR for a period of 12 billing cycles. 

After that your APR will be 11.40%, 13.40%, 16.40% or 20.40%, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 

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Interest Rates and Interest Charges 

Penalty APR and 
When It Applies 

Visa® Credit Card 

APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum 
21.40% 
This APR will vary with the market based on the Prime Rate. 

Visa Platinum Rewards 
22.40% 
This APR will vary with the market based on the Prime Rate. 

Visa Cash Rewards 
23.40% 
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) consecutive minimum 
payments when due. 

How to Avoid Paying Interest 
on Purchases 

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. 

Minimum Interest Charge 

None 

For Credit Card Tips From 
the Consumer Financial 
Protection Bureau 

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 

Set-up and Maintenance Fees 
• Annual Fee 
• Account Set-up Fee 
• Program Fee 
• Participation Fee 
• Additional Card Fee 
• Application Fee 

Transaction Fees  
• Balance Transfer Fee  
• Cash Advance/ATM Fee  
• Foreign Transaction Fee   
• Transaction Fee for Purchases 

Penalty Fees 
• Late Payment Fee 
• Over-the-Credit-Limit Fee    
• Returned Payment Fee 

None 
None 
None 
None 
None 
None 

2% or $10.00, whichever is greater 
2% or $10.00, whichever is greater 
1% of each transaction in U.S. dollars 
None 

Up to $37.00 
$25.00 
$25.00 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Loss of Introductory APR: We may end your Introductory APR for purchases, balance transfers and cash advances and 
apply the penalty APR if you are 60 days late in making a payment. 

Application of Penalty APR: Your APR may be increased to the disclosed penalty APR if you are 60 days late in making 
a payment or make a payment that is returned. 

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Visa® Credit Card 

APPLICATION AND SOLICITATION DISCLOSURE 

Effective Date 
The information about the costs of the card described in this application is accurate as of December 3, 2019.   
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For California Borrowers, the Visa Platinum, Visa Platinum Rewards and Visa Cash Rewards 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. 

Other Disclosures 
$37.00 or the amount of the required minimum payment, whichever is less. 
Late Payment Fee  
Over-the-Credit-Limit Fee 
$25.00 
$25.00 or the amount of the required minimum payment, whichever is less. 
Returned Payment Fee  
Statement Copy Fee  
$5.00 
Document Copy Fee  
$5.00 
Rush Fee  
$30.00 
Emergency Card Replacement Fee  
$30.00 
PIN Replacement Fee   
None 
Card Replacement Fee  
$10.00 
Unreturned Card Fee  
None 
Stop Payment for Convenience Check Fee   $20.00 
Minimum payment due 

3% or $25, whichever is greater 

Inter-Office Address 
VA-Credit Union Operations – Boulders 

Please complete and fax or mail the application to: 
Dominion Energy Credit Union 
P.O. Box 26646, Richmond, VA 23261-6646 
Phone: 800-268-6928 • Fax: 804-521-2510 
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