Important Change to Your Account Terms 

The following is a summary of changes that are being made to your account terms. You may 
also access this information at our website, www.sdccu.com, by navigating to the rates and 
fees under the Visa Credit Card section. 

These changes will impact your account as follows: 

Transactions made on or after November 28, 2017: 

1.  The fee for Non CO-OP ATM inquiries will increase to $1 per inquiry. 

2.  The fee for International ATM withdrawals will increase to $5 for each withdrawal. 

3.  The fee for Non-CO-OP ATM withdrawals will increase to $2 for each withdrawal. 

Federally insured by NCUA 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
PO Box 261209 ● San Diego, CA 92196-1209 

(877) 732-2848 ● sdccu.com 

VISA SIGNATURE (NON-VARIABLE) 
VISA PLATINUM (NON_VARIABLE) 
SHARE SECURED VISA CLASSIC (FIXED) 
APPLICATION AND SOLICITATION DISCLOSURE 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Visa Signature (Non-Variable) 
12.99%, 15.99%, 17.99%, or 22.99% when you 
open your account, based on your creditworthiness. 

Visa Platinum (Non-Variable) 
9.99%, 12.99%, 14.99%, or 19.99% when you 
open your account, based on your creditworthiness. 

Share Secured Visa Classic (Fixed) 
15.00% 
Visa Signature (Non-Variable) 
16.99%, 19.99%, 21.99% or 26.99% when you open your account, 
based on your creditworthiness. 

Visa Platinum (Non-Variable) 
13.99%, 16.99%, 18.99% or 23.99% when you open your account, 
based on your creditworthiness. 

Share Secured Visa Classic (Fixed) 
15.00% 
Visa Signature (Non-Variable) 
16.99%, 19.99%, 21.99% or 26.99% when you open your account, 
based on your creditworthiness. 

Visa Platinum (Non-Variable) 
13.99%, 16.99%, 18.99% or 23.99% when you open your account, 
based on your creditworthiness. 

Share Secured Visa Classic (Fixed) 
15.00% 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 

Annual Fee 
- Annual Fee – Visa Signature 
  (Non Variable) 
- Annual Fee – Visa Platinum 
  (Non Variable) 
- Annual Fee – Share Secured Visa Classic 
  (Fixed) 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month. 
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. 

$89.00 

None 

$20.00 

©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  

MXC101-E 
SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Transaction Fees 
- Balance Transfer Fee 

- Cash Advance Fee 

- Foreign Transaction Fee: Visa Signature 
  (Non-Variable) 
- Foreign Transaction Fee:  Visa  Platinum 
(Non-Variable) and Share Secured Visa 
Classic (Fixed) 

Penalty Fees  
- Late Payment Fee 
- Returned Payment Fee 

Either $1.00 or 2.00% of the amount of each balance transfer, 
whichever is greater 
Either $1.00 or 2.00% of the amount of each cash advance, 
whichever is greater 
0.00% of each transaction in U.S. dollars 

2.00% of each transaction in U.S. dollars 

Up to $10.00 
Up to $20.00 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). 

Effective Date: 
The information about the costs of the card described in this application is accurate as of October 3, 2017. This information 
may have changed after that date. To find out what may have changed, contact SDCCU at (877) 732-2848. 

Share Secured Visa Classic (Fixed) Card: Credit extended under this credit card account is secured by a portion 
of the shares  you have on deposit at SDCCU. You will be asked to sign a  Pledge of  Shares document, and the 
amount of the pledge will be equal to 120% of the approved credit limit. 

For  California  Borrowers,  the  Share  Secured  Visa  Classic  is  a  secured  credit  card.  Credit  extended  under  this 
credit  card  account  is  secured  by  various  personal  property  and  money  including,  but  not  limited  to:  (a)  any 
goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a 
separate  Pledge  of  Shares,  (c)  all  shares  you  have  in  any  individual  or  joint  account  with  the  Credit  Union 
excluding  shares  in  an  Individual  Retirement  Account  or  in  any  other  account  that  would  lose  special  tax 
treatment  under  state  or  federal  law,  and  (d)  collateral  securing  other  loans  you  have  with  the  Credit  Union 
excluding  dwellings.  Notwithstanding  the  foregoing,  you  acknowledge  and  agree  that  during  any  periods  when 
you  are  a  covered  borrower  under  the  Military  Lending  Act  your  credit  card  will  be  secured  by  any  specific 
Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account 
with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card 
account when you are not a covered borrower; or (ii) you cease to be a covered borrower. 

Other Fees & Disclosures: 
Fly Miles Plus™ Reward Program - Visa Platinum (Non-Variable) and Share Secured Visa Classic (Fixed): 
$35.00 annually. This program fee is charged to all accounts that elect to have SDCCU’s Fly Miles Plus Reward Program. 
This fee is waived if annual purchases are $6,000.00 or more. The Fly Miles Plus Reward Program is not available on the 
Visa Signature (Non-Variable). 

Late Payment Fee: 
$10.00 or the amount of the required minimum payment, whichever is less, if you are 11 or more days late in making a 
payment. 

Returned Payment Fee: 
$20.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$5.00 each 

Statement Copy Fee: 
$5.00 per document 

Non-CO-OP ATM Withdrawal Fee: 
$1.50 each 

Non-CO-OP ATM Inquiry Fee: 
$0.50 per inquiry 

International ATM Withdrawal Fee: 
$3.00 each 

Apply Today! 

MXC101-E