ECCU Platinum Card Disclosure

Interest and Charges
Annual Percentage Rate 
(APR) for purchases

9.9% Fixed APR

APR for Balance Transfers 9.9%

APR for Cash Advances

9.9%

Penalty APR and When it 
applies

No penalty rate will be applied.

How to Avoid Paying 
Interest on Purchases

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

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 balance by the due date each month. We will begin charging 
interest on cash advances and balance transfers on the 
transaction date. 
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.consumerfinance.gov/learnmore.

Fees

Annual Fee

Transaction Fees:
 - Balance Transfer
 - Cash Advance
 - Foreign Transaction

Penalty Fees:
 - Late Payment
 - Returned Payment

Other Fees:
 - Statement Copy
 - Draft Copy

None

None
None
1% of the transaction amount.

Up to $25.
$25 per item.

$2
$5

How We Will Calculate Your Balance: We use the "average daily balance" method to 
calculate your balance.  See your account agreement for details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those 
rights is provided in your account agreement.