Credit Card Terms & Conditions

Wescom Visa  Terms & Conditions

®

DETAILS OF RATE, FEE, AND OTHER COST INFORMATION
As required by law, rates, fees and other costs of this credit card offer are disclosed here. All
account terms are governed by the Wescom Visa Agreement and Disclosure. Account and
Agreement terms are not guaranteed for any period of time; all terms, including the APRs and
fees, may change in accordance with the Agreement and applicable law. We may change them
based on information in your credit report, market conditions, business strategies, or for any
reason.

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

APR for Balance
Transfers and Cash
Advances (2)

9.90% to 18.90% 
(1) This is the Standard Variable Rate. 
The APR you receive is based on your creditworthiness,
and other factors if applicable. The APR will vary with the
market based on the Prime Rate.*

9.90% to 18.90% 
(1) This is the Standard Variable Rate. 
The APR will vary with the market based on the Prime
Rate.*

Penalty APR

None

How to Avoid Paying
Interest on Purchases

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
each month. There is not a grace period to avoid paying
interest on Cash Advances, Balance Transfers, or any cash
transaction.

Minimum Finance Charge

None

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 Transfers

2% of each transaction ($2 minimum; $50 maximum).

• Cash Advances

2% of each transaction ($2 minimum; $50 maximum).

• Foreign Transaction Fee

On purchases made outside the U.S., the fee is 1% of the
U.S. dollar amount of each such transaction, whether
originally made is U.S. dollars or converted from a foreign
currency.

Penalty Fees

• Late Payment Fee

$15 if the minimum monthly payment is not received within
15 days of the payment due date.

• Over Credit Limit Fee

• Returned-Payment Fee

$10

$25

Wescom Credit Card Disclosures

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 account agreement.

Effective Date: The information about the cost associated with this card is accurate as of May 2017 and subject to
change after this date without notice.  To find out what may have changed, call 1-888-493-7266.

* Prime Rate: The variable APRs are based on the 4.25% Prime Rate Index as of August 1, 2017. The Monthly
Periodic Rate and corresponding APR used in calculating the Monthly Periodic finance charge may increase or
decrease during the term of this Agreement. Any such change will be based on an increase or decrease in the
"Prime Rate" as published in The Wall Street Journal (herein "Index"). In the event that the Index ceases to be
published, changes in your APR will be related to a comparable Index.

(1) Purchase, Balance Transfer, and Cash Advance APRs are based on the Prime Rate Index to which we add a
margin based on your credit worthiness. The applicable margins range from 5.65% to 14.65%. The maximum APR
is 19.65%. 
(2) Balance Transfers and Cash Advances: means Credit Card Advances, ATM Cash Advances, Bank Cash
Advances, Balance Transfers, and Cash Equivalent transactions. Cash Equivalent transactions include money
orders, foreign currency and traveler's checks, person-to-person money transfers, Casino gaming chips, and bail
bonds.