h. A guardian, conservator, receiver, custodian or trustee is appointed for
after hours/weekends at 1-866-839-3485 or 727-570-4881 (overseas only)
You must notify us of any potential errors in writing. You may call us, but
you;
or via our website (www.nwfcu.org), or by writing to: Northwest Federal
if you do we are not required to investigate any potential errors and you
i. You are generally not paying your debts as they become due; or
Credit Union, Attention: Card Services Department, P.O. Box 1229, Herndon,
may have to pay the amount in question.
j. There has been a material adverse change in your financial standing.
Virginia 20172-1229. You will not be held liable for the unauthorized use of
While we investigate whether or not there has been an error, the following
Credit Card Agreement
your account.
15. Consent To Recover Delinquent Payments From Accounts.
are true:
22. Lost Or Stolen Cards. You agree to notify us immediately if your Card
a. In consideration for and as a condition of the Credit Union issuing a
We cannot try to collect the amount in question, or report you as delin-
Card(s) to you, you agree that if you fail to make your required payments
is ever lost or stolen or if unauthorized use may occur. You agree to assist
quent on that amount.
and
us in determining the facts, circumstances, and other pertinent information
the Credit Union can take any monies on deposit at the Credit Union in
The charge in question may remain on your statement, and we may con-
relating to any loss, theft, or possible unauthorized use of your Card(s) and
which you have an interest to recover all or part of your delinquent debt
tinue to charge you interest on that amount. But, if we determine that we
without advance notice to you and without waiving other rights we have
to comply with such procedures as we may require in connection with our
made a mistake, you will not have to pay the amount in question or any
Disclosure Statement
investigation. We will send you a new Card with a new account number to
to collect what you owe. This consent is not a pledge of any shares and
interest or other fees related to that amount.
replace the Card that was lost or stolen. Although you will be issued a new
will not affect your right to withdraw shares prior to our exercise of our
account number, you will not be considered to have opened a new account,
While you do not have to pay the amount in question, you are responsible
rights following your payment default. This consent applies to all funds
and any existing balance will be transferred to the replacement account.
for the remainder of your balance.
you voluntarily deposit to Credit Union accounts, including funds such
as Social Security direct deposit that are normally exempt from creditors'
23. Foreign Transactions. Purchases and cash advances made with Visa
We can apply any unpaid amount against your credit limit.
remedies (this does not include your Individual Retirement, KEOGH or
and MasterCard outside of the United States and its territories may incur
26. Your Rights If You Are Dissatisfied With Your Credit Card Purchases.
an international transaction fee. This fee, which is up to one percentage
If you are dissatisfied with the goods or services that you have purchased
SEPP account). You understand that we will never require you to deposit
exempt funds to Credit Union accounts.
point (1%) of the transaction amount, is assessed by Visa and MasterCard.
with your Card, and you have tried in good faith to correct the problem with
The Credit Union, as Card issuer, does not assess an additional international
the merchant, you may have the right not to pay the remaining amount due
b. For Cards secured by Shares, an amount equal to 100% of your credit limit
transaction fee.
on the purchase.
is held in your Regular Share Account as collateral for your credit. If you
give the Credit Union a specific pledge of shares by signing a separate
Visa. If you engage in a transaction in a currency other than U.S. dollars
To use this right, all of the following must be true:
pledge of shares, your pledged shares will secure your Account. You may
using a Visa Card, Visa International will convert the charge into a U.S.
1. The purchase must have been made in your home state or within 100
not withdraw amounts that have been specifically pledged to secure your
dollar amount. The exchange rate between the transaction currency and the
miles of your current mailing address, and the purchase price must have
Account until the Credit Union agrees to release all or part of the pledged
billing currency used for processing international transactions is either (a) a
been more than $50. (Note: Neither of these are necessary if your pur-
amount. If you default in your payments under this Agreement, we have
rate selected by Visa from the range of rates available in wholesale currency
chase was based on an advertisement we mailed to you, or if we own the
the right to apply the amount specifically pledged to pay off this account
markets for the applicable central processing date, which rate may vary
company that sold you the goods or services.)
in full or in part.
from the rate Visa itself receives, or (b) the government mandated rate in
2. You must have used your Card for the purchase. Purchases made with
effect for the applicable central processing date. The currency conversion
C. The security interests in this section apply even if your Card(s) is other-
cash advances from an ATM or with a check that accesses your Card
rate for the processing date may differ from the rate in effect on the date
wise designated "secured" or "unsecured."
account do not qualify.
of the transaction or the date the transaction is posted to your billing
16. Attorneys' Fees. You agree to pay all costs incurred by us in collecting
3. You must not yet have fully paid for the purchase.
statement.
your indebtedness or in enforcing this agreement including attorney's fees
If all of the criteria above are met and you are still dissatisfied with the
MasterCard. If you effect a transaction with your MasterCard Card in a
and costs, as well as those costs, expenses and attorney's fees incurred in
purchase, contact us in writing at:
currency other than U.S. dollars, MasterCard International Incorporated
appellate, bankruptcy and post-judgment proceedings, except to the extent
Northwest Federal Credit Union
("MasterCard") will convert the charge into U.S. dollars using its currency
such costs, fees or expenses are prohibited by law.
ATTN: Card Services Department
conversion procedure. Currently, the currency conversion rate used by
17. Returns and Adjustments. Merchants and others who honor the Card
P.O. Box 1229
MasterCard for such transactions is generally either a government mandated
may give credit for returns or adjustments, and they will do so by sending
Herndon, VA 20172-1229
rate or a wholesale rate determined by MasterCard for the processing cycle
us a credit slip, which we will post to your account. If your credits and pay-
in which the transaction is processed. The currency conversion rate used
While we investigate, the same rules apply to the disputed amount as dis-
ments exceed what you owe us, we will hold and apply this credit balance
by MasterCard for processing date may differ from the rate in effect on the
cussed above. After we finish our investigation, we will tell you our
against future purchases and cash advances, or if it is $1.00 or more, refund
date of the transaction or the date the transaction is posted to your billing
decision. At that point, if we think you owe an amount and you do not pay
it on your written request or automatically after 3 months.
statement.
we may report you as delinquent.
18. Plan Merchant Disputes. We are not liable for the refusal of any plan
24. Effect of Agreement and Amendments. This Agreement governs all
27. Change Of Name, Address, Or Telephone Number(s). You are respon-
merchant or financial institution to honor your Card.
transactions on your account even though the sales, cash advance, credit, or
sible for promptly notifying us of a change in your name, address (including
19. Additional Benefits/Card Enhancements. The Credit Union may
other slips you sign or receive may contain different terms. We may amend
the e-mail address(es) you use for online banking with us and any other
from time to time offer additional services to your Account, such as travel
or change this Agreement, including rates, at any time. If we do so, we will
e-mail address(es) at which you agree to be contacted), or telephone
accident insurance, discontinue any credit service, or replace your Card with
notify you in writing in accordance with the applicable law. However, we
number(s)(including any wireless telephone number(s)).
another Card at no additional cost to you. You understand that the Credit
may reduce charges, fees and rates without sending you an advance notice.
28. Inactivity. Cards unused and or idle for twelve (12) months or more
Union is not obligated to offer such services and may withdraw or change
Except as limited by applicable law, any amendment will apply to all then
with a zero (0) balance will automatically be closed. Should that occur an
them at any time.
outstanding unpaid indebtedness arising from the use of your Card prior to
application and credit approval would be required to establish a new Card
20. Use of Card for Illegal or Risky Transactions. You agree that you will
the effective date of the amendment. Any such amendment will not require
account.
not use or allow others to use your Card(s) for illegal transactions such as
your written consent, but your consent (if required by applicable law)
illegal online gambling. The Credit Union may refuse to honor any transac-
may be evidenced by your use of the Card after we give you notice of the
tion we reasonably believe to be illegal. However, ultimate responsibility for
amendment.
determining the legality of transactions for which your Card is used rests
25. What To Do If You Think You Find A Mistake On Your Statement. If
with you, not with the Credit Union. You agree to hold us harmless for any
NORTHWEST
you think there is an error on your statement, write to us at:
damages or other liability arising from a transaction initiated by you or your
Northwest Federal Credit Union
authorized user for the purpose of conducting an illegal activity, includ-
ATTN: Card Services Department
ing but not limited to, internet gambling or interstate sports betting. We
P.O. Box 1229
FEDERAL CREDIT UNION
reserve the right to decline authorization of transactions for activities we
Herndon, VA 20172-1229
believe may violate law or pose significant risk to our members or us. You
cannot use the actual or alleged illegality of a transaction for which autho-
In your letter, give us the following information:
rized use of your account was made as a defense to your obligation to pay.
Account information: Your name and account number.
21. Liability for Unauthorized Use. If you believe that your Card may
Dollar amount: The dollar amount of the suspected error.
have been lost or stolen or that your account number may have been used
Description of Problem: If you think there is an error on your bill, describe
without your authorization you must notify us immediately at:
what you believe is wrong and why you believe it is a mistake.
All information about the VISA and MasterCard Cards described in this
1-800-336-3384 x6006 during regular business hours (7:30am-7:00pm) or
You must contact us within 60 days after the error appeared on your statement.
disclosure is current as of 7/2010. Subject to change without notice.
Your Lifetime Financial Partner
GAM (8/2010) 3M
In this Agreement the words "you" and "your" mean each and all of those
credit limit, and you agree that you are liable for any such transactions as
add a Margin and divide that number by 12 to arrive at the periodic rate.
9. Share Savings Account Required. All applicants and co-applicants on
signing, using or having a credit Card account with Northwest Federal Credit
well as interest. If you make a transaction that would cause you to exceed
For example, if the index rate were 10.0% and the margin were 3.75%, the
a credit card account must have an open share savings account that carries
Union, referred to as "we" and "us" or "Credit Union". The "Card" means
your total credit limit we may (1) authorize the transaction without increas-
Periodic Rate for that billing cycle would be 1.1458% (10.0% plus 3.75%
a par share balance. You must continue to be a member of the Credit Union
any credit Card issued to you or those designated by you under the terms
ing your total credit limit; (2) authorize the transaction without increasing
divided by 12). A periodic rate of 1.1458% corresponds to an ANNUAL
and comply with the basic share account requirements to maintain eligibil-
of this Agreement. "Use of the Card" means any procedures used by you, or
your total credit limit and treat that amount as immediately due, or (3)
PERCENTAGE RATE of 13.75% The margin is based on an evaluation of your
ity for this Account. You may close your Account at any time by notifying
someone authorized by you, to make a purchase or obtain a cash advance
deny authorization. If the authorization is denied we may notify the person
credit history and may be reviewed and adjusted annually. The Annual Per-
us in writing and returning all Cards cut in half.
whether or not the purchase or advance is evidenced by a signed written
who attempted the transaction that it has been refused. If we authorize a
centage Rate will not be higher than 18.00%, regardless of the index rate.
10. Overdraft Protection Advances. Overdraft protection advances will
document. Virginia law will be used to interpret this Agreement unless
transaction that causes your account to exceed its credit limit, it does not
federal law applies. The provisions of this Agreement are severable. If any
VISA Platinum Periodic Rate for accounts opened before 1/6/2010: To
begin only if you designate your Card as an overdraft protection source in
mean that we will do so again in the future. In addition, we reserve the
provision of this Agreement is held by a court of law to be invalid or
right to deny transactions or authorizations from merchants apparently en-
determine the Periodic Rate, we take the "Index Rate," as defined below, add
writing. If your checking account does not have sufficient available funds
gaging in the Internet gambling business or identifying themselves through
3.75 percentage points and divide that number by 12 to arrive at the period-
to cover any item presented and drawn on the account, any overdraft up to
unenforceable the rest of this Agreement will not be affected.
ic rate. For example, if the index rate were 10.0%, the Periodic Rate for that
your unused credit limit will be added to your credit Card account balance
1. Acceptance of Cardholder Agreement. By either using the account or
the Card transaction record or otherwise as engaged in such business.
billing cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic
under this Agreement, if the Credit Union pays the item. The Credit Union
signing, using or accepting the plastic cards(s) issued to you by us (your
5. Special Features. You may receive separate information about special
rate of 1.1458% corresponds to an ANNUAL PERCENTAGE RATE OF 13.75%
has the right to refuse overdraft advances but will notify you of the refusal.
"Card(s)"), you accept the terms and conditions of this Agreement. All
features of your Visa or MasterCard account. Your use of such features will
The margin may be reviewed and adjusted annually. The Annual Percentage
If there is more than one person listed on the checking account (such as a
Cards issued to you remain our property and must be returned to us upon
be governed both by the terms of this Agreement and by the terms con-
Rate will not be higher than 18.00%, regardless of the index rate.
joint checking account) that you have linked for Overdraft Protection, then:
request. Once you have received your Card, call the phone number shown
tained in such separate information.
MasterCard Gold Card Periodic Rate for accounts opened on or after
(1) you will be responsible for all Overdraft Protection advances regardless
on the front of the Card to activate your Card. By activating your Card, you
6. Monthly Payment. Your monthly statement will tell you the total
1/6/2010: To determine the Periodic Rate, we take the "Index Rate" as
of which person causes any item to be presented or engages in any other
acknowledge you have received a copy of this disclosure. We may delay or
amount that you owe us, the minimum payment that you must make and
defined below, add a Margin and divide that number by 12 to arrive at the
transaction that causes the overdraft (checks, ACH, debit Card, etc); and (2)
deny access to your account until you have called to confirm that you have
your payment due date. The minimum payment for credit card accounts
periodic rate. For example, if the index rate were 10.0% and the margin were
you expressly consent to us disclosing to any other person on that checking
received and activated your Card.
will be the greater of (1) 3% of the new balance or (2) $35.00. If the new
4.75%, the Periodic Rate for that billing cycle would be 1.2292% (10.0% plus
account that the checking account is linked to the Card for Overdraft Pro-
2. Credit Line. Your Card account will be an open end account. This means
balance of your account is less than $35.00 the minimum payment will be
4.75% divided by 12). A periodic rate of 1.2292% corresponds to an ANNUAL
tection. We reserve the right to cancel or suspend your Overdraft Protection
that you may borrow the full amount of the line of credit, repay the princi-
the new balance.
PERCENTAGE RATE of 14.75% The margin is based on an evaluation of your
service at any time at our sole discretion, for any reason.
pal, accrued interest and fees in full or in part, and borrow again up to your
You may pay the new balance in whole or in part at any time. We will not
credit history and may be reviewed and adjusted annually. The Annual Per-
11. Credit Card Fees. We may charge your Card or your Account for Card related
maximum line of credit, as long as you continue to be creditworthy and a
charge you a penalty for paying more than the minimum payment. If you
centage Rate will not be higher than 18.00%, regardless of the index rate.
fees. The application and payment of the fee will not correct the situation that
member of the Credit Union in good standing. To remain in good standing,
pay more than your monthly minimum payment, the remainder is applied
MasterCard Gold Card Periodic Rate for accounts opened before
caused the fee to be charged. Please refer to our current Schedule of Fees.
you must meet your entire loan and account obligations to the Credit Union
toward your next month's minimum payment. You can pay your account
1/6/2010: To determine the Periodic Rate, we take the "Index Rate" as
Other Fees: (1) If you ask the Credit Union for statement research and
and comply with applicable laws and the Credit Union's bylaws. You agree to
ahead however paying ahead and skipping a payment will not reduce
defined below, add 7.75 percentage points and divide that number by 12 to
reconstruction services for any reason, you will be charged the same hourly
not use your Card when the use will exceed your total credit limit. You also
your liability for interest charges in the month that you do not make
arrive at the periodic rate. For example, if the index rate were 10.0%, the
rate then being charged by the Credit Union for all of its checking accounts
agree that we are not obligated to extend credit to you for an amount that
a payment. We will determine at our option, the order in which payments
Periodic Rate for that billing cycle would be 1.4792% (10.0% plus 7.75%
for that service; (2) Additional fees may be charged if agreed between you
would make your outstanding balance exceed your total credit limit or for
will be applied toward Purchases, Cash Advances, Balance Transfer, unpaid
divided by 12). A periodic rate of 1.4792% corresponds to an ANNUAL
and us; and, (3) To the extent not prohibited by law, if you are in default,
any amount if your outstanding balance is already over the total credit lim-
Finance Charges and other Fees and Charges. We may accept checks marked
PERCENTAGE RATE of 17.75%. The margin may be reviewed and adjusted
you agree to pay our collections costs, attorney's fees and court costs
it. We can change your credit limit at any time. If we allow you to use your
"payment in full" or with words of similar effect without losing any of our
annually. The Annual Percentage Rate will not be higher than 18.00%,
incurred in enforcing our rights under this Agreement.
account for more than your limit, you still agree to pay the full amount you
rights to collect the full balance of your account with us.
regardless of the index rate.
We may waive any of the fees in this Agreement at our discretion; however,
owe us. We may decline to honor any transactions for any reason. You agree
In addition, any past due amount is due and payable immediately. If your
that you will not use your account for any transaction that is illegal under
MasterCard Gold Card with Annual Fee Periodic Rate (No longer offered
we reserve the right to begin charging any fee that was previously waived
balance exceeds your credit limit, we also require that you pay the over
any applicable law.
to new Cardholders as of 1/6/2010): To determine the Periodic Rate, we
without providing prior notice to you.
limit amount.
take the "Index Rate" as defined below, add 5.75 percentage points and
12. Reevaluation of Credit. We can reinvestigate and reevaluate any
3. Promise To Pay. You agree to pay us the amount of purchases, cash
Any payment submitted to us in the form of a check or other paper docu-
divide that number by 12 to arrive at the periodic rate. For example, if
information you provided on your credit application at any time, and in
advances, balance transfers, fees and finance charges that you, your co-
ment may be converted to an electronic transaction through procedures
the index rate were 10.0%, the Periodic Rate for that billing cycle would
the course of doing so, we may ask you for additional information, request
applicant and/or authorized users make (even if we didn't issue a Card in
established by the National Automated Clearing House Association. If this
be 1.3125% (10.0% plus 5.75% divided by 12). A periodic rate of 1.3125%
credit bureau reports and/or otherwise verify your current credit standing.
that person's name) and whether or not you notify us that he or she will
occurs, the original check or other document that you send to us will not be
corresponds to an ANNUAL PERCENTAGE RATE of 15.75% The margin may
be using it. Each person who uses the Card(s) or permits another to use the
13. Account Closing. We may cancel, revoke, reduce the amount of your
retained, but a copy would be available if requested.
be reviewed and adjusted annually. The Annual Percentage Rate will not be
Card(s) agrees to be jointly and severally liable to the Credit Union for all
credit line or suspend your rights under this Agreement and require the
7. Finance Charges, Grace Period and Index Rate. A FINANCE CHARGE will
higher than 18.00%, regardless of the index rate.
obligations due to the Credit Union hereunder. If another person has use of
return of the Card(s) for any reason, including your default, without notice
be imposed on Credit Purchases only if you elect not to pay the entire New
your account and you want to end that person's privilege, you must recover
The Index Rate used for calculating your Periodic Rate for a billing cycle is
to you except in those situations where notice is required by law. You may
Balance of purchases shown on your monthly statement for the previous
and return that person's Card, if any. If you are unable to recover and return
the Prime Rate published in the Wall Street Journal on the last business day
also close the account at any time by notifying us in writing and returning
billing cycle within 25 days from the closing date of that statement. If you
the Card, you will continue to be liable for any charges made unless you tell
of the prior month (the "Periodic Rate Adjustment Date"). There are
all Cards. If the account is closed or we terminate or suspend your credit
elect not to pay the entire New Balance of purchases shown on your previ-
us to cancel all Cards and establish a new account for you. We will automati-
12 Periodic Rate Adjustment Dates per year.
privileges for any reason, you must still repay any unpaid balance you owe
ous monthly statement within that 25-day period, a FINANCE CHARGE will
cally cancel all Cards if you notify us of unauthorized use. Your obligation
Because the Index Rate may go up or down, the Periodic rate applied to
to us including charges and or transactions not yet received by us, as well as
be imposed on the unpaid average daily balance of such Credit Purchases
to pay the account balance continues even though an agreement, divorce
your Average Daily Purchases Balance or Average Daily Cash Advance Bal-
subsequent Finance Charges and other charges according to the terms of this
from the previous statement closing date and on new Credit Purchases from
decree or other court judgment to which we are not a party may direct you
ance, as the case may be, may also increase or decrease, thereby increasing
Agreement. Each Card is our property and you agree that the Cards are not
the date of posting to your account during the current billing cycle, and will
or one of the other persons responsible under this Agreement to pay the
or decreasing the number of payments you will be required to make in order
transferable and to surrender any Card upon demand. If this is a joint ac-
continue to accrue until the closing date of the billing cycle preceding the
account.
to repay your Total New Balance.
count, either person who is liable on the account may give notice to cancel
date on which the entire New Balance of purchases is paid in full or until
4. Authorizations. Some transactions on your account will require prior
The Periodic Rate that is applied to your Average Daily Purchases Balance
the account, and we may close it without notifying the other liable person.
the date of payment if more than 25 days from the closing date. A FINANCE
approval. These prior approvals are called "authorizations". We may limit
CHARGE will be imposed on each Cash Advance from the transaction date
and Average Daily Cash Advance Balance appears on your monthly state-
14. Default. You will be in default, and we may, without notifying you,
the number of authorizations we will give the account during any certain
and continue daily until the date each Cash Advance is paid in full.
ment. The Periodic Rate, in effect at the time of your Card approval, was
temporarily suspend your credit, close your account, cancel all Cards issued
period of time (day, weekend, week) and we may deny an authorization
provided to you in a separate Credit Union acceptance letter.
on it and require immediate payment of your entire balance if any of the
The FINANCE CHARGE for a billing cycle is computed by applying the month-
if we suspect that your account is being used without your permission. If
8. Change In Terms Of Your Account. We can change or add to any terms
following occurs:
ly Periodic Rate to the average daily balance of Credit Purchases and Cash
our authorization system is not working fully, we may be unable to give an
of your account at any time. We do not guarantee that the fees and the An-
a. You fail to make a payment when it is due;
authorization. For security reasons, we cannot explain the details of how
Advances, which is determined by dividing the sum of the daily balances
nual Percentage Rates (APRs) on this account are for any particular length
b. You do not follow the terms of this Agreement in any way;
the authorization system works. You agree that we will not be liable for
during the billing cycle by the number of days in the cycle. Each daily bal-
of time. Future changes will be made in accordance with this Agreement
C. You have made any false or misleading statement on the application for
failing to give an authorization. Transactions at some participating mer-
ance of Credit Purchases and Cash Advances is determined by adding to the
and applicable law. We will provide you with such notice as is required by
your account;
chants (such as hotels, car rental companies, restaurants and gas stations)
outstanding unpaid balance of Credit Purchases and Cash Advances at the
applicable law. Such changes may apply to the existing balance on your
beginning of the billing cycle any new Credit Purchases and Cash Advances
d. You fail to pay any other loans you owe us;
may result in authorizations for amounts greater than the actual purchase
account as well as to future balances in accordance with this Agreement and
amount, which will have the effect of making less credit available on your
posted to your account, and subtracting any payments as received and cred-
applicable law. If required by applicable law, we will permit you to reject
e. You become insolvent or die;
account for several days (usually until the date the actual purchase amount
its as posted to your account, but excluding any unpaid FINANCE CHARGES.
certain types of changes, by providing us with written notice and closing
f. There is an attachment, execution or levy against your property or you
is received from the merchant). We may, but are not required to, authorize
VISA Platinum Periodic Rate for accounts opened on or after 1/6/2010:
your account and you would then be permitted to repay any balance on the
make an assignment for the benefit of creditors;
transactions that will cause the balance on your account to exceed the
To determine the Periodic Rate, we take the "Index Rate," as defined below,
account under the terms in effect prior to the change.
g. A bankruptcy petition is filed by or against you or your spouse;
FirstCard Visa
Member Rewards
Visa® Platinum
Platinum
MasterCard®
Interest Rates and Interest Charges
7.00% to
8.00% to
18.00% when you
18.00%
when you
open your account,
open your account,
Annual Percentage Rate
9.99%
based on your
based on your
(APR) for Purchases
creditworthiness.
creditworthiness.
After this, your APR
After this, your APR
will vary with the
will vary with the
market based on the
market based on the
Prime Rate.
Prime Rate.
7.00% to 18.00%
8.00% to 18.00%
when you open your
when you open your
account, based on
account, based on
APR for Balance Transfers
9.99%
your creditworthiness.
your creditworthiness.
After this, your APR
After this, your APR
will vary with the
will vary with the
market based on the
market based on the
Prime Rate.
Prime Rate.
7.00% to 18.00%
8.00% to 18.00%
when you open your
when you open your
account, based on
account, based on
APR for Cash Advances
your creditworthiness.
your creditworthiness.
9.99%
After this, your APR
After this, your APR
will vary with the
will vary with the
market based on the
market based on the
Prime Rate.
Prime Rate.
Penalty APR and When it Applies
None
None
None
Minimum Interest Charge
None
None
None
Your due date is at least 25 days after the close of each billing cycle.
How to Avoid Paying Interest on
Purchases
We will not charge you any interest on purchases if you pay your
entire balance by the due date each month
For Credit Card Tips from the
To learn more about factors to consider when applying for or using a
Consumer Financial Protection
credit card, visit the website of the Consumer Financial Protection
Bureau
Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee
None
None
None
Transactions Fees
Balance Transfer
None
None
None
Cash Advance
None
None
None
Foreign Transaction
Up to 1% of
Up to 1% of
Up to 1% of
transaction
transaction amount
transaction amount
amount
Penalty Fees
Late Payment
Up to $35
Up to $35
Up to $35
Returned Payment
Up to $35
Up to $35
Up to $35
Over-the-Credit Limit
None
None
None
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new
purchases).
The information on this disclosure is current as of April 2012, and is subject to change. To determine if any changes
have occurred since this date call 866-709-8901.