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 VISA CREDIT CARD RATES

Visa Credit Card Rates

Application and Solicitation Disclosure

Eective

Thu Apr 02 2020

and subject to change. 
View a printable PDF
(/CURates/VisaLoanRates.pdf ).

APPLY ONLINE (HTTPS://NEWACCOUNTS-
MOBILE.SDCCU.COM/CC/CREDITCARD.ASPX?LENDERREF=SDCCU041516)

Interest Rates and Interest Charges

VISA SIGNATURE (NON-VARIABLE)
VISA PLATINUM (NON-VARIABLE)

SHARE SECURED VISA CLASSIC (FIXED)

APPLICATION AND SOLICITATION DISCLOSURE

/

 
 
Annual Percentage Rate (APR) for

Purchases

APR for Balance Transfers

APR for Cash Advances

Visa Signature (Non-Variable)
12.99%, 15.99%, 17.99%, or 22.99% when you
open your account, based on your creditworthiness.

Visa Platinum (Non-Variable)
9.99%, 12.99%, 14.99%, or 19.99% when you
open your account, based on your creditworthiness.

Share Secured Visa Classic (Fixed)
15.00%

Visa Signature (Non-Variable)
16.99%, 19.99%, 21.99% or 26.99% when you
open your account, based on your creditworthiness.

Visa Platinum (Non-Variable)
13.99%, 16.99%, 18.99% or 23.99% when you
open your account, based on your creditworthiness.

Share Secured Visa Classic (Fixed)
15.00%

Visa Signature (Non-Variable)
16.99%, 19.99%, 21.99% or 26.99% when you
open your account, based on your creditworthiness.
Visa Platinum (Non-Variable)
13.99%, 16.99%, 18.99% or 23.99% when you
open your account, based on your creditworthiness.

Share Secured Visa Classic (Fixed)
15.00%

/

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.

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 www.consumernance.gov/learnmore.

Fees

Annual Fee

- Annual Fee – Visa Signature (Non Variable)

- Annual Fee – Visa Platinum (Non Variable)

- Annual Fee – Share Secured Visa Classic (Fixed)

$89.00

None

$20.00

/

Transaction Fees

- Balance Transfer Fee

- Cash Advance Fee

- Foreign Transaction Fee: Visa Signature

(Non-Variable)

- Foreign Transaction Fee: Visa Platinum

Either $1.00 or 2.00% of the amount of each balance transfer,

whichever is greater

Either $1.00 or 2.00% of the amount of each cash advance,

whichever is greater

0.00% of each transaction in U.S. dollars

(Non-Variable) and Share Secured Visa Classic

2.00% of each transaction in U.S. dollars

(Fixed) 

Penalty Fees

- Late Payment Fee

- Returned Payment Fee

Up to $10.00

Up to $20.00

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).

Eective Date: The information about the costs of the card described in this application is accurate as of 4/2/2020. This
information may have changed after that date. To nd out what may have changed, contact SDCCU at (877) 732-2848.

Share Secured Visa Classic (Fixed) Card: Credit extended under this credit card account is secured by a portion of the

shares you have on deposit at SDCCU. You will be asked to sign a Pledge of Shares document, and the amount of the

pledge will be equal to 120% of the approved credit limit. 

/

For California Borrowers, the Share Secured Visa Classic is a secured credit card. 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 specically 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 specic 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 Fees & Disclosures: 

Fly Miles Plus™ Reward Program - Visa Platinum (Non-Variable) and Share Secured Visa Classic (Fixed):

$35.00 annually. This program fee is charged to all accounts that elect to have SDCCU’s Fly Miles Plus Reward Program. This

fee is waived if annual purchases are $6,000.00 or more. The Fly Miles Plus Reward Program is not available on the Visa

Signature (Non-Variable).

Late Payment Fee:

$10.00 or the amount of the required minimum payment, whichever is less, if you are 11 or more days late in making a

payment.
Returned Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee:
$5.00 each
Statement Copy Fee:
$5.00 per document
Non-CO-OP ATM Withdrawal Fee:

$2.00 each

Non-CO-OP ATM Inquiry Fee:

$1.00 per inquiry

International ATM Withdrawal Fee:

/

$5.00 each

APPLY ONLINE
(HTTPS://NEWACCOUNTS-
MOBILE.SDCCU.COM/CC/CREDITCARD.ASPX?
ENC=KW21WBLM1YXPJJABDOZADY5H5AZDW3YN5EZAZOB45Q4RVAERWEGRJ93M67VUDBIROJKN76K9-

G8L5VWIPCV2RG)

Learn More About SDCCU Cards

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