Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

VISA PLATINUM/VISA PLATINUM REWARDS/
VISA PLATINUM CASH BACK

F1            

APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum 
0.00%
F2

six billing cycles
Introductory APR for a period of F3                       

.

After that your APR will be F4
your creditworthiness. 

9.90%

to F5          based on 

18.90%

Visa Platinum Rewards 
0.00%
F6

six billing cycles
Introductory APR for a period of F7                        

.

After that your APR will be F8
your creditworthiness. 

11.90%

to F9           based on 

20.90%

APR for Balance Transfers 

APR for Cash Advances 

Visa Platinum Cash Back 
0.00%
F10

Introductory APR for a period of F11                         .

six billing cycles

10.49%
After that your APR will be F12
based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate.
Visa Platinum 
0.00%
F14         Introductory APR for a period of F15                           .

19.49%
to F13      

six billing cycles

9.90%
After that your APR will be F16         to F17         based on your 
creditworthiness. 

18.90%

Visa Platinum Rewards 
0.00%
F18         Introductory APR for a period of F19       

six billing cycles

.

11.90%
After that your APR will be F20         to F21         based on your 
creditworthiness. 

20.90%

Visa Platinum Cash Back 
0.00%
F22         Introductory APR for a period of F23                         

six billing cycles

.

19.49%

10.49%
After that your APR will be F24         to F25         based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.
Visa Platinum 
9.90%
F26        to F27         when you open your account, based on your 
creditworthiness.

18.90%

Visa Platinum Rewards 
11.90%
F28     
creditworthiness.

20.90%

to F29         when you open your account, based on your 

Visa Platinum Cash Back 
10.49%
F30         to F31         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

19.49%

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DILFZ8 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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 
Transaction Fees 
- Cash Advance Fee

- Foreign Transaction Fee
Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

3.00%
$5.00
F32         or F33     
greater
2.00%
F34         of each transaction in U.S. dollars

of the amount of each cash advance, whichever is 

Up to F35          
Up to F36          

$20.00
$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 will apply to transactions posted to your 
account during the first F37                         
 following issuance of your card. The Introductory APR for balance transfers 
will apply to transactions posted to your account until F38       

the seventh billing cycle

six billing cycles

                       . 

Effective Date:  
The information about the costs of the card described in this application is accurate as of F39                              . 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

December 30, 2015

OTHER DISCLOSURES 

Late Payment Fee

Returned Payment Fee

Document Copy Fee
Rush Fee
Emergency Card Replacement Fee
Card Recovery Fee
Representative-Assisted Expedited Payment Fee

$20.00
F40         or the amount of the required minimum payment, whichever 
is less, if you are one or more days late in making a payment.
$25.00
F41         or the amount of the required minimum payment, whichever 
is less.
$12.00
F42          
$15.00
F43          
$150.00
F44          
$65.00
F45          
$5.00
F46          

DILFZ8 (MXC403 CCM003)-e