BayPort Credit Union 
One BayPort Way, Suite 350 
Newport News, VA. 23606 

Mastercard  Platinum  Preferred,  Mastercard  Platinum  Rewards,  Mastercard  Platinum  Cash  Back,  and  Mastercard 
Platinum Secured Credit Cards Application and Solicitation Disclosure. 
Please keep this with all your loan documents. Annual Percentage Rates and other related information for each card is shown 
below. 
Interest Rates and Interest Charges 
Annual Percentage Rates 
(APR) for Purchases 

Mastercard Platinum Preferred 

8.24%  - 17.74%  when  you  open  your  account,  based  on  your 
creditworthiness. 

Mastercard Platinum Rewards 

8.99%  - 18.49%  when  you  open  your  account,  based  on  your 
creditworthiness. 

Mastercard Platinum Cash Back 

9.49%  - 18.99%  when  you  open  your  account,  based  on  your 
creditworthiness. 

After that your APR will vary with the market based on the Prime Rate. 

Mastercard Platinum Secured 

14.99% when you open your account. 

APR for Balance Transfer 

*3.99% Introductory rate good for 12 months from  new account opening.  Balance 
transfers  must  be  processed  within  30  days  of  account  opening  to  qualify  for  the 
introductory rate. 

Mastercard Platinum Preferred 

8.24% - 17.74% This APR will vary based on the Prime Rate. 

Mastercard Platinum Rewards 

8.99% - 18.49% This APR will vary based on the Prime Rate. 

Mastercard Platinum Cash Back 

9.49% - 18.99% This APR will vary based on the Prime Rate. 

Mastercard Platinum Secured 

14.99% when you open your account. 

APR for Cash Advances 

Mastercard Platinum Preferred 

8.24% - 17.74% This APR will vary based on the Prime Rate. 

Mastercard Platinum Rewards 

8.99% - 18.49% This APR will vary based on the Prime Rate. 

Mastercard Platinum Cash Back 

9.49% - 18.99% This APR will vary based on the Prime Rate. 

Mastercard Platinum Secured 

14.99% when you open your account. 

Penalty APR and When it Applies 
Paying Interest - applicable to all of  Your  due  date  is  at  least  25  days  after  the  close  of  each  billing  cycle. We  will  not 
the above mentioned credit cards 
charge you any interest on purchases if you pay the entire balance by the due date 
of  each  month.  We  will  begin  charging  interest  on  cash  advances  and  balance 
transfers on the date of the transaction. 
None 

Interest  Charge 

None 

– 
Minimum 
applicable  to  all  of  the  above 
mentioned credit cards 
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, 
the  Consumer  Financial  Protection  Bureau  at 
visit 
http://www.consumerfinance.gov/learnmore 

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Fees - Applicable to all of the credit cards listed in this disclosure 
Annual Fee 
Transaction Fees 

None 

Balance Transfer Fee 

Cash Advance Fee 

Foreign Transactions 
Penalty Fees 

None 

None 

1.10% of each transaction in U. S. dollars. 

Over the limit fee 

None 

Late Payment fee 

Up to $20.00 if payment is not received 5 days after statement closing. 

Return Payment fee 
Other Fees 

Up  to  $20.00  Non-sufficient  funds  or  items  returned  for  uncollected  funds, 
regardless of reason. 

Card Replacement Fee 

$5.00 

Applies 
Secured Card Only 

to  Mastercard  Platinum 

$20.00 fee when account is closed within 60 days of opening date. 

How  we  calculated  your  balance:  We  use  a  method  called  “average  daily  balance  (including  new  purchases).”  See  your 
account agreement for more details. 

*Loss  of  Introductory  APR  on  Balance  Transfers:  If  your  minimum  monthly  payment  is  not  received  by  the  statement 
closing  date,  the  APR  for  balance  transfers  will  revert  back  to  the  standard  APR.  Offer  not  valid  on  existing  accounts  or 
accounts  associated  with existing accounts  and cannot be combined with any other  offer.  Transfer may not include BayPort 
loan balance. 

Variable  Rate  Information:  Your  APR  may  vary  on  a  Mastercard  Platinum  Preferred,  Mastercard  Platinum  Rewards,  and 
Mastercard Platinum Cash Back Credit Card.  Rates are determined and may be adjusted quarterly by adding a margin up to 
the Prime Rate published in the Wall Street Journal. Adjusted rates are effective as of the first day of the billing cycle in which 
the change was made. The margin will range from 4.74% to 15.24%. 

Effective Date:  The information about costs of the card described in this application is accurate as of January 1, 2018.  This 
information may have changed after that date. To find out what may have changed, contact the credit union at 757-928-8850 or 
1-800-928-8801.