BayPort Credit Union 
3711 Huntington Avenue 
Newport News, VA. 23607 

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 

*3.99%  Introductory  rate  effective  November  1,  2016  thru  December  31, 
2016.  The  balance  accumulated  during  this  promotion  period  will  remain  at  the 
3.99% through statement closing of December, 2017. 

MasterCard Platinum Preferred 

7.99%  -  17.49%  when  you  open  your  account,  based  on  your 
creditworthiness. 

MasterCard Platinum Rewards 

8.49%  -  17.99%  when  you  open  your  account,  based  on  your 
creditworthiness. 

MasterCard Platinum Cash Back 

8.99%  -  18.49%  when  you  open  your  account,  based  on  your 
creditworthiness. 

MasterCard Platinum Secured 

APR for Balance Transfer 

After that your APR will vary with the market based on the Prime Rate. 

14.99% when you open your account.   

*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 

7.99% - 17.49% This APR will vary based on the Prime Rate.   

MasterCard Platinum Rewards 

8.49% - 17.99% This APR will vary based on the Prime Rate.   

MasterCard Platinum Cash Back 

8.99% - 18.49% 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 

7.99% - 17.49% This APR will vary based on the Prime Rate.   

MasterCard Platinum Rewards 

8.49% - 17.99% This APR will vary based on the Prime Rate.   

MasterCard Platinum Cash Back 

8.99% - 18.49% 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  None 
Paying  Interest  -  applicable  to  all 
of  the  above  mentioned  credit 
cards 

Interest  Charge 

– 
Minimum 
applicable  to  all  of  the  above 
mentioned credit cards 
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  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 

To learn more about factors to consider when applying for or using a credit card, 
visit 
the  Consumer  Financial  Protection  Bureau  at 
http://www.consumerfinance.gov/learnmore 

the  website  of 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                                                  
 
 
 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 

Return Payment fee 

Other Fees  

Up  to  $20.00  fee  assessed  if  payment  is  not  received  5  days  after  statement 
closing. 

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 Purchases and Balance Transfers: If your minimum monthly payment is not received by 
the  statement  closing  date,  the  APR  for  purchases  and  balance  transfers  will  revert  back  to  the  standard  APR.    The 
standard APR will also apply to any balance and future transactions accumulated after the promotion period.  If the account 
exceeds  your  approved  limit  or  if  the  account  is  closed,  your  APR  will  increase  to  the  standard  rate.    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 adjusted annually by adding a margin to the Prime 
Rate published in the Wall Street Journal on the first business day of July.  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 November 1, 2016. 
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.