BUSINESS (cid:21)(cid:8)(cid:18)(cid:564)(cid:3)(cid:566)(cid:17)(cid:4)(cid:136)(cid:8)(cid:19)(cid:3)(cid:566)(cid:564)(cid:17)(cid:136) 
DISCLOSURE

VISA BUSINESS PLATINUM

P.O. Box 691001, MD 2100
DFW Airport, TX 75261-9001
(800) 533-0035
AACreditUnion.org

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Visa Business Platinum
0% Introductory APR for a period of six billing cycles.
After that, your APR will be x.xx(cid:3)(cid:3)(cid:3)% - x.xx(cid:3)(cid:3)(cid:3)%, based on your
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creditworthiness. This APR will vary with the market based on the Prime Rate.

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APR for Balance Transfers

Visa Business Platinum

8.75(cid:3)(cid:3)(cid:3)% to 13.99(cid:3)(cid:3)(cid:3)%, when you open your account, based on your(cid:3)
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creditworthiness. This APR will vary with the market based on the Prime Rate.

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APR for Cash Advances

Visa Business Platinum

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8.75(cid:3)(cid:3)(cid:3)% to 13.99(cid:3)(cid:3)(cid:3)%, when you open your account, based on your(cid:3)
creditworthiness. This APR will vary with the market based on the Prime Rate.

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Penalty APR and When it Applies

Visa Business Platinum

18.00%

This APR may be applied to your account if you: - Make a late payment.(cid:3)
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.

How to Avoid Paying Interest on Purchases

Your due date is at least 21 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

If you are charged interest, the charge will be no less than $0.50.

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.

SEE NEXT PAGE for more important information about your account.

Fees

Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

None

None

$2.00

1.00% of each transaction in U.S. dollars

Up to $25.00

Up to $25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount.

Eﬀective Date: The information about the costs of the card described in this application is accurate as of: 
This information may have changed after that date. To ﬁnd out what may have changed, contact the Credit Union.

July 1, 2022.

Balance Transfer Rate Terms and Conditions: Balance transfers will be processed at the standard balance transfer APR for this account. 
If we do not receive all of the necessary information for the transfer, the balance transfer will not be completed. Please allow up to 4 - 6 
weeks before payments to your other accounts are made. Accordingly, you should continue to make all required payments until you 
conﬁrm that the balance transfers were made. Balance transfers as well as purchases and cash advance transactions are subject to your 
available credit. Balance transfers may not be used to pay any American Airlines Federal Credit Union loans. Balance transfer requests will 
be processed from the lowest to the highest dollar amount. If a balance transfer request is more than your available credit limit, we will 
automatically lower the balance transfer amount to your available credit and complete the transfer. You may only make balance transfers 
to accounts that list you as an accountholder. Transfer of balances, which contain disputed purchases or other charges, may cause you to 
lose your dispute rights with regard to those purchases or other charges.

NY Residents: We may obtain your credit report in connection with this extension of credit, and subsequently for updates, collection or 
other legitimate purposes associated with extension of the credit. Upon your request, we will inform you whether we obtained a credit 
report, and if so, the name and address of the consumer-reporting agency that furnished the report.

OH Residents: Ohio anti-discrimination laws require creditors to make credit equally available to all creditworthy customers and that 
credit reporting agencies maintain separate credit histories on individuals upon request. The Ohio Civil Rights Commission administers 
compliance with this law.

VT Residents: By responding to this oﬀer, you consent to our obtaining your credit report in connection with this extension of credit, and 
subsequent credit reports for the purpose of reviewing the account, increasing the credit line, taking collection action or other legitimate 
purposes associated with your account.

WI Residents: No agreement, unilateral statement, or court order applying to marital property will adversely aﬀect a creditor’s interests 
unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, statement or court order, or has actual 
knowledge of the provision.

Other Fees & Disclosures:

Card Replacement Fee: 
$5.00.

Document Copy Fee: 
$6.00.

Rush Fee:
$50.00 overnight. $25.00 second day.

Statement Copy Fee: 
$6.00.

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