PO Box 1595, Tacoma WA 98401  |  800.562.8130 

Account Opening Disclosures for Visa Platinum  
The following disclosure represents important details concerning your credit card. This statement is incorporated 
into and becomes a part of your Cardholder Agreement. We reserve the right to periodically review your credit 
standing and to increase any rate on your new balances, in accordance with applicable law. 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases, 
Balance Transfers, and 
Cash Advances 

How to Avoid Paying 
Interest on Purchases 

10.95% to 18.95% when you open your account, based on your 
creditworthiness.  After that, your APR will vary with the market based on the 
Prime Rate. 

Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you interest on purchases if you pay your entire new purchase balance by 
the due date each month. 

Paying Interest 

For Cash Advances and Balance Transfers we will begin charging interest on the 
transaction date. 

Minimum Interest Charge 

None 

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://consumerfinance.gov/learnmore. 

Fees 

Annual Fee 

None 

Transaction Fees 

• Balance Transfer 
• Cash Advance  
• Foreign Transaction 

None 
4% of advanced amount ($10 minimum) 
1% of each transaction in US dollars 

Penalty Fees 

• Late Payment 
• Returned Payment 
• Over-the-Credit Limit 

Up to $25 
None 
None 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily  balance  (including  new 
purchases).” 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
your Visa Cardholder Agreement.  

Variable Rate Information Your rate may increase or decrease if the Prime Rate as published in the Wall Street 
Journal increases or decreases 5 days before the end of the previous month. Your rate can change monthly on 
the first day of each billing cycle following a change in the Prime Rate. Your rate will be equal to the Prime Rate 
plus a margin of: 5.70%-14.70% for Blue and Blue Secured; 7.70%-15.70% for Platinum. Any increase will take 
the form of more payments of the same amount. Your variable rate will never be more than the maximum rate 
allowed by applicable law.  

The above rates and fees are current as of October 1, 2013.