APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM/VISA GOLD/VISA CLASSIC

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum
4.99%
to Introductory APR is paid off.

 Introductory APR, for qualifying members, until balance subject

After that, or if you do not qualify for the Introductory APR, your APR will be
11.49%
9.49%
will vary with the market based on the Prime Rate.

, based on your creditworthiness. This APR

 to

Visa Gold
5.99%
to Introductory APR is paid off.

 Introductory APR, for qualifying members, until balance subject

After that, or if you do not qualify for the Introductory APR, your APR will be
10.49% 15.49%
 to
will vary with the market based on the Prime Rate.

, based on your creditworthiness. This APR

Visa Classic
8.99%
to Introductory APR is paid off.

 Introductory APR, for qualifying members, until balance subject

After that, or if you do not qualify for the Introductory APR, your APR will be
13.46% 20.46%
 to

, based on your creditworthiness.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.

20180810

04501738-MXC10-P-3-060817 (MXC101-E)

APR for Balance Transfers

Visa Platinum
4.99%
Introductory APR is paid off.

 Introductory APR, for qualifying members, until balance subject to

After that, or if you do not qualify for the Introductory APR, your APR will be
9.49%
, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.

11.49%

 to

Visa Gold
5.99%
Introductory APR is paid off.

 Introductory APR, for qualifying members, until balance subject to

After that, or if you do not qualify for the Introductory APR, your APR will be
10.49%
, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.

15.49%

 to

Visa Classic
8.99%
Introductory APR is paid off.

 Introductory APR, for qualifying members, until balance subject to

, based on your creditworthiness.

After that, or if you do not qualify for the Introductory APR, your APR will be
13.46% 20.46%
 to
Visa Platinum
9.49%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

11.49%

to

APR for Cash Advances

Visa Gold
10.49%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

15.49%

Visa Classic
13.46% 20.46%
to

, based on your creditworthiness.

How to Avoid Paying Interest on
Purchases

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 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

1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars

Up to $20.00
Up to $20.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first
six billing cycles following the opening of your account. Any existing balances on University Of Virginia Community Credit
Union Inc loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.

20180810

04501738-MXC10-P-3-060817 (MXC101-E)

Effective Date:
The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

August 10, 2018

For California Borrowers, the Visa Platinum, Visa Gold 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 10 or more days late in making a
payment.

Returned Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less.

Document Copy Fee:
$3.50.

Rush Fee:
$20.00.

Statement Copy Fee:
$3.50.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

20180810

04501738-MXC10-P-3-060817 (MXC101-E)