Important Disclosure Information 
Travis Credit Union Credit Cards 
 (Effective June 1, 2016 TCU no longer offers the MasterCard product)  

Interest Rates and Interest Charges 

V 

Platinum Rewards  
VISA 

MasterCard 
 Gold 

Share-
Secured/Credit 
Builder Classic 
VISA 

Classic 
 VISA 

Annual Percentage 
Rate (APR) for 
purchases* 

Cash 
Advance  APR* 

Balance 
Transfer  APR* 

5.99% 
introductory APR for 
12 months. After that, 
APR will be 
8.99% to 
15.99% 
5.99% introductory 
APR for 12 months. 
After that, APR will be 
10.99% to 17.99% 

5.99% introductory 
APR for 12 months. 
After that, APR will be 
10.99% to 17.99% 

10.99% to 
15.99% 

15.40% 

 16.99% 

12.99% to 
17.99% 

12.99% to 
17.99% 

17.40% 

18.99% 

17.40% 

18.99% 

Penalty Rate 

None 

How to Avoid Paying Interest on Purchases 

You have 25 days to repay your balance in full for purchases 
before a finance change will be imposed. 

Method of computing the balance 

Average daily principle balance (including new transactions) 

Minimum Finance Charge 

None2 

Fees 

Visa Rewards Annual Fee 

Visa: $25.00 3    

Transaction Fees 
  Balance Transfer 

  Cash Advance 
  Foreign Transaction 

Penalty Fees 

  Late Payment 
    Returned Payment 

Card Replacement Fee 

5.99% Intro rate: None for the first 12 months; 
All other cards: None for the first 90 days; after that time, the fee will 
be 2% of the amount transferred not to exceed $25.00 
$5.00 each advance. 
1% of the U.S. dollar amount of the transaction whether made in 
U.S. dollars or converted from a foreign currency.4 

$15.00 5 
$15.00 

$5.00 

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://www.consumerfinance.gov/learnmore 

*Final product and APR will be determined based on credit worthiness.  

Loss of Introductory APR: We may end your introductory APR and apply the final APR, which will be determined 
based on your credit worthiness, if you make two late payments during the introductory period. 

 
   
 
 
 
When you respond to this credit card offer or sign an application for a credit card with Travis Credit Union, you 
authorize Travis Credit Union to independently verify the information you provided by any lawful means, to exchange 
credit information about you with others; including obtaining information about you from credit or consumer 
information bureaus and agree that Travis Credit Union may at its discretion, from time to time, make inquiries 
regarding your credit standing through consumer credit bureaus and agree to provide financial statements or other 
evidence to support your income if requested.  

If the account is opened, you will receive a Credit Card Cardholder Agreement and Disclosure Statement with your 
card. By using the card you agree to the terms of the Credit Card Cardholder Agreement and Disclosure Statement. 

      1.  If applying for a share-secured Credit Card, you may be required to pledge up to 100% of the limit approved in 
a regular share account based upon credit worthiness. 

      2.  Although there is no minimum finance charge, there is a minimum payment amount. The minimum monthly 
payment is the greater of 2% of the balance or $20.00. 

      3.  The Annual Rewards fee will be waived for those Visa card holders who opt out of the rewards program. If you 
opt-out of rewards program you may opt back in later, a $25.00 annual rewards fee will apply. 

 I wish to enroll in the Visa rewards program. 

 I wish to opt out of the Visa rewards program. 

           ____________________________________________________________________ 
           Account Number                  Member Signature                                               Date 

      4.  Purchases and cash advances made in foreign currencies will be billed in U.S. dollars. The conversion rate in 
U.S. dollars will be either at the government mandated rate or a wholesale currency market rate determined by Visa® 
or MasterCard International® for the processing cycle in which the transaction is processed. The currency conversion 
rate used by Visa® or MasterCard International® on the processing date may differ from the rate that would have 
been used on the purchase date or cardholder statement posting date. The Credit Union has no control over the 
conversion rate. 

      5.  If the minimum monthly payment is not received within 15 days of the due date, a late charge of $15.00 will be 
charged to the account.  If the minimum payment is less than $15, the late fee will be no more than the amount of the 
minimum payment. 

This information about credit cards is accurate as of June 1, 2016 and may change after that date. For current 
information, ask your Member Service Representative or call (707) 449-4000 or (800) 877-8328. Credit Card 
accounts are exclusively for Travis Credit Union members. 

This disclosure supplements the Credit Card Agreement and Disclosure Statement. Please keep this disclosure for 
your records. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Credit Card Cardholder Agreement and Disclosure.

CCDISC  06/16