APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM PREFERRED/VISA PLATINUM/VISA
PLATINUM SHARE SECURED

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum Preferred
7.50%

 Introductory APR for a period of 12 billing cycles.

13.00% 13.50% 15.75%
After that, your APR will be
,
based on your creditworthiness. This APR will vary with the market based
on the Prime Rate.

or

,

Visa Platinum
13.75% 14.25% 16.50% 17.50% 18.00%
,
,
when you open your account, based on your creditworthiness. This APR will
vary with the market based on the Prime Rate.

or

,

,

Visa Platinum Share Secured
12.75%

APR for Balance Transfers

Visa Platinum Preferred
2.99%

 Introductory APR until

.

This APR will vary with the market based on the Prime Rate.

After that date your Introductory APR will be
months from the transaction date.

7.50

% for a period of 12

,
After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

13.00% 13.50% 15.75%

 or, based on your

Visa Platinum
13.75% 14.25% 16.50% 17.50% 18.00%
,
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

or, when you open your

,

,

Visa Platinum Share Secured
12.75%

This APR will vary with the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200094-MXC10-C-2-032517 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

Visa Platinum Preferred
13.00% 13.50% 15.75%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

or

,

Visa Platinum
13.75% 14.25% 16.50% 17.50% 18.00%
,
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

or, when you open your

,

,

Visa Platinum Share Secured
12.75%

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

This APR will vary with the market based on the Prime Rate.

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
1.00% of each single currency transaction in U.S. dollars

Up to $32.00
Up to(cid:3)$2(cid:19).00

How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash 
advances)."

Promotional Period for Introductory APR - Visa Platinum Preferred:
The  Introductory  APR  for  balance  transfers  will  apply  to  transactions  posted  to  your  account  from 

until
. Any existing balances on Tucson Federal Credit Union loan or credit card accounts are not eligible for the 

Introductory APR for balance transfers.
The Introductory APR for purchases will apply to transactions posted to your account during the first 12 months following 
the opening of your account.

Effective Date:
The information about the costs of the card described in this application is accurate as of: December 1, 2019
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For  California  Borrowers,  the  Visa  Platinum  Preferred,  Visa  Platinum  and  Visa  Platinum  Share  Secured  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.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200094-MXC10-C-2-032517 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Other Fees & Disclosures:
Late Payment Fee:
20.00%(cid:3)of the interest due, if you are(cid:3)10 or more days late in making a payment. However, the fee will not exceed(cid:3)$32.00.

Returned Payment Fee:
$(cid:21)(cid:19).00(cid:3)or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:
$3(cid:22).00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:
$10.00.

Document Copy Fee:
$5.00.

Emergency Card Replacement Fee:
$40.00.

Pay-by-Phone Fee:
$20.00.

Rush Fee:
$40.00.

Statement Copy Fee:
$2.00.

Non-TFCU ATM Fee:
$2.00(cid:3)per transaction.

Copy of Visa Voucher Fee:
$5.00(cid:3)per copy.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200094-MXC10-C-2-032517 (MXC101-E)