Important Disclosure Information
Travis Credit Union Credit Cards
MasterCard   or VISA Credit Card RR
Interest Rates and Interest Chargestext

RR

Annual Percentage Rate 
(APR) for purchases*

Cash Advance APR*

Platinum Rewards
VISA
8.99% to
15.99%
10.99% to 17.99%

MasterCard Gold

10.99% to
15.99%
12.99% to 17.99%

Balance Transfer APR*

10.99% to 17.99% 12.99% to 17.99%

Penalty Rate

None

1
Share-Secured  / Credit Builder
Classic VISA
15.40%

Classic
VISA
16.99%

17.40%

17.40%

18.99%

18.99%

How to Avoid Paying Interest on Purchases

You have 25 days to repay your balance for purchases before a finance charge 
will be imposed.

Method of computing the balance

Average daily principle balance (including new transactions)

Minimum Finance Charge

Visa Rewards Annual Fee

Transaction Fees

Balance Transfer

Cash Advance

Foreign Transaction

Penalty Fees

Late Payment
Returned Payment

Card Replacement Fee

None

2

Fees
3

$25.00

None for the first 90 days; after that time, the fee will be 2% of the amount 
transferred not to exceed $25.00.
$5.00 each advance
1% of the U.S. dollar amount of the transaction whether made in U.S. dollars or 
converted from a foreign currency.

4

5

$15.00
$15.00

$5.00

For 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://www.consumerfinance.gov/learnmore

*Final product and APR will be determined based on credit worthiness.
When you respond to this credit card offer or sign an application for a credit card with Travis Credit Union, you authorize Travis Credit Union to 
independently verify the information you provided by any lawful means, to exchange credit information about you with others; including obtaining 
information about you from credit or consumer information bureaus and agree that Travis Credit Union may at its discretion, from time to time, 
make inquiries regarding your credit standing through consumer credit bureaus and agree to provide financial statements or other evidence to 
support your income if requested.
If the account is opened, you will receive a Credit Card Cardholder Agreement and Disclosure Statement with your card. By using the card you 
agree to the terms of the Credit Card Cardholder Agreement and Disclosure Statement
1 If applying for a share-secured Credit Card, you may be required to pledge up to 100% of the limit approved in a regular share account based 

2

upon creditworthiness.
Although there is no minimum finance charge, there is a minimum payment amount. The minimum monthly payment is the greater of 2% of 
the balance or $10.00.

3 The Annual Rewards fee will be waived for those Visa card holders who opt out of the rewards program.  If you opt-out of rewards program 

you may opt back in later, a $25.00 annual rewards fee will apply.

I wish to enroll in the Visa rewards program.

I wish to opt out of the Visa rewards program.

Account Number

Member Signature

Date

4 Purchases and cash advances made in foreign currencies will be billed in U.S. dollars. The conversion rate in U.S. dollars will be either at the 
government mandated rate or a wholesale currency market rate determined by Visa® or MasterCard International® for the processing cycle 
in which the transaction is processed. The currency conversion rate used by Visa® or MasterCard International® on the processing date may 
differ from the rate that would have been used on the purchase date or cardholder statement posting date. The Credit Union has no control 
over the conversion rate.

5 If the minimum monthly payment is not received within 15 days of the due date, a late charge of $15.00 will be charged to the account. If the 

minimum payment is less than $15, the late fee will be no more than the amount of the minimum payment.

This information about credit cards is accurate as of April 22, 2014 and may change after that date. For current information, ask your Member 
Service Representative or call (707) 449-4000 or (800) 877-8328. Credit Card accounts are exclusively for Travis Credit Union members.
This disclosure supplements the Credit Card Agreement and Disclosure Statement. Please keep this disclosure for your records.
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Cardholder 
Agreement and Disclosure.

CCDISC 04/14