APPLICATION AND 
SOLICITATION 
DISCLOSURE 

VISA PLATINUM/VISA CLASSIC 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

Visa Platinum 
1.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 8.90%. 

Visa Classic 
10.50% 

APR for Balance Transfers 

Visa Platinum 
1.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 8.90%. 

APR for Cash Advances 

Visa Classic 
10.50% 

Visa Platinum 
10.50% 

Visa Classic 
10.50% 

How to Avoid Paying Interest on 
Purchases 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Your due date is an average of 30 days after the close of each billing cycle. 
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 http://www.consumerfinance.gov/learnmore. 

Fees 
Transaction Fees 
- Foreign Transaction Fee 
Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

Up to 1.00% of each transaction in U.S. dollars 

Up to $20.00 
Up to $15.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Promotional Period for Introductory APR - Visa Platinum: 
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 
six months following the opening of your account. Any existing balances on Fibre Federal Credit Union loan or credit card 
accounts are not eligible for the Introductory APR for balance transfers. 

Effective Date: 
The information about the costs of the card described in this application is accurate as of: October 03, 2017 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

14605268-MXC10-P-1-092017    (MXC101-E) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
For California Borrowers, the Visa Platinum and Visa Classic are secured credit cards. 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: 
Late Payment Fee: 
$20.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a 
payment. 

Returned Payment Fee: 
$15.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$10.00. 

Document Copy Fee: 
$20.00. 

Rush Fee: 
$50.00 second day. $80.00 overnight. 

Unreturned Card Fee: 
$2.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

14605268-MXC10-P-1-092017    (MXC101-E)