Bellco Credit Union 
Account Disclosure 
Visa® Platinum Colorado Rewards Credit Card 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

0% Introductory APR for the first six months on purchases.  After that, the Standard APR 
will range from 13.00% to 21% based on creditworthiness. 
This APR will vary with the market based on the Prime Rate. 
3.99% Introductory APR for the first 12 months on any balance transfers that occur within 
the first 90 days of account opening.  After that, the Standard APR will range from 13.00% 
to 21% based on creditworthiness.  This APR will vary with the market based on the Prime 
Rate. 
21%This APR will vary with the market based on the Prime Rate. 
None 
Your due date is at least 25 days after the close of each billing cycle.  We will not charge you 
any interest on purchase or balance transfers if you pay your entire balance by the due date 
each month.  We will begin charging interest on cash advances on the transaction date. 
None 
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. 

None 

$0 fee on transfers made within 90 days of account opening, After that, either $10 or 4% of 
the amount of each balance transfer, whichever is greater (maximum fee: $75) 
Either $10 or 4% of the amount of each cash advance, whichever is greater (maximum fee 
$75) 
Up to 1% of each transaction in U.S. dollars. 

The lesser of minimum payment due or $25. 
$10.  
None 

APR for Balance Transfers  

APR for Cash Advances 

Penalty APR 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 
Fees 
Annual Fee 
Transaction Fees 

  Balance Transfer 

 

 

Cash Advance 

Foreign Transaction 

Penalty Fees 

 
Late Payment 
  Returned Payment 
  Over the Limit Fee 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new purchases).”  See your account 
agreement for more details. 
Expedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request. 
Loss of Introductory APR: We may end your Introductory APR and apply the Standard APR for purchases or balance transfers if you 
make a late payment. 
Earn 15,000 Bonus Points: After you spend $500 or more on purchases in the first 90 days from account opening.  ”Purchases” do 
not include balance transfers; cash advances; quasi-cash transactions such as traveler’s checks, foreign currency, gift cards or money 
orders; returned merchandise; ATM transactions; any checks that access your account; overdraft advances; earned interest; 
unauthorized or fraudulent charges; betting that includes lottery tickets, casino gaming chips, off-track betting and wager; or fees of 
any kind, including an annual fee, if applicable. Bonus points will be added to your rewards points balance within 8 weeks from the 
end of the 90-day promotion.  To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.   
Periodic Rates: After any Introductory Rate period, or if an Introductory rate does not apply to your Account, the periodic rate for purchases will 
range from 0.0355% per day to 0.0576% per day which corresponds to an ANNUAL PERCENTAGE RATE ranging from 13.00% to 21%.  The periodic 
rate for cash advances is 0.0576% per day with a corresponding annual percentage rate of 21%.  Balance transfers will be considered purchases and 
will have the same periodic rate and corresponding annual percentage rate as purchases.  Balance transfers will be referred to as purchases for 
purposes of this disclosure. 
Effective Date: This disclosure is effective as of April 1, 2018 and is subject to change after date listed. 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.