M-123141
CREDIT CARD
AmeriCU
Rome, NY 13440
VISA
ACCOUNT
1916 Black River Blvd.
OPENING
CREDIT UNION
(315) 356-3000
DISCLOSURE
VISA CLASSIC PLATINUM
This Disclosure is incorporated into and becomes part of Your LOANLINER® Consumer Credit Card Agreement &
Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
13.90%
Purchases
APR for Balance Transfers
13.90%
APR for Cash Advances
17.90%
Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will
not charge You any interest on purchases or balance transfers if You pay
Your entire balance by the due date each month. We will begin charging
interest on cash advances on the transaction date.
Minimum Interest Charge
If You are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the
To learn more about factors to consider when applying for or using a
Consumer Financial Protection Bureau
credit card, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
- Annual Fee
None
Transaction Fees
- Balance Transfer Fee
None
- Foreign Transaction Fee
1.00% of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
Up to $20.00
- Returned Payment Fee
Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash
advances). See Your Account Agreement for more details.
Minimum Interest Charge:
The minimum interest charge will be charged on any dollar amount.
Billing Rights:
Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account
Agreement.
Military Lending Act Disclosures:
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions
of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent
may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or
account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the
credit transaction; any application fee charged (other than certain application fees for specified credit transactions or
accounts); and any participation fee charged (other than certain participation fees for a credit card account).
Please call us at (800) 388-2000 to receive oral disclosures of the Military Lending Act disclosure above and a description
of the payment obligation.
LOANLINER.
SEE NEXT PAGE for more important information about Your Account.
© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
03105847-MXC20-P-5-081817 (MXC201-E)
Other Fees & Disclosures:
Late Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a
payment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not
make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this
Disclosure.
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned
Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.
Collection Costs:
You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable
attorney's fees.
Periodic Rates:
The Purchase APR is 13.90% which is a monthly periodic rate of 1.1580%.
The Balance Transfer APR is 13.90% which is a monthly periodic rate of 1.1580%.
The Cash Advance APR is 17.90% which is a monthly periodic rate of 1.4917%.
LOANLINER.
© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
03105847-MXC20-P-5-081817 (MXC201-E)