Visa Terms and Conditions 

Interest Rate and Interest Charges 

Annual Percentage 
Rate 
(APR) for Purchases 

VISA Platinum: Your APR will be between 2.00% - 17.90% based on your credit worthiness, and 
will vary with the market based on the Prime Rate. 
VISA Gold: Your APR will be between 8.90% - 17.90% based on your credit worthiness. 
Secured VISA: Your APR will be 17.90%. 

Annual Percentage 
Rate 
(APR) for Balance 
Transfers 

VISA Platinum: Your APR will be between 2.00% - 17.90% based on your credit worthiness, and 
will vary with the market based on the Prime Rate. 
VISA Gold: Your APR will be between 8.90% - 17.90% based on your credit worthiness. 
Secured VISA: Your APR will be 17.90%. 

Annual Percentage 
Rate 
(APR) for Cash 
Advances 

VISA Platinum: Your APR will be between 5.00% - 17.90% based on your credit worthiness, and 
will vary with the market based on the Prime Rate. 
VISA Gold: Your APR will be between 13.90% - 17.90% based on your credit worthiness. 
Secured VISA: Your APR will be 17.90%. 

Penalty APR and 
When It Applies 

Up to 18.00% 
The APR may be applied if You: 

1.  Make a late payment; 
2.  Are otherwise in default under this Agreement. 

How Long Will the Penalty APR Apply? If Your APRs are increased for these reasons, for 
transactions that you make prior to the effective date of the increase, the Penalty Rate will apply 
until you make the next six consecutive minimum payments when due. For transactions that you 
make after the effective date of the increase, the Penalty Rate may be applied indefinitely. 

Paying Interest 

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. We will begin 
charging interest on cash advances and balance transfers on the transaction date. 

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 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 

 
 
 
 
Transaction Fees 

0.80% of each foreign currency transaction in U.S. dollars. 

Foreign Transactions 

1.00% of each U.S. Dollar transaction that occurs in a foreign country.

Penalty Fees 

 Up to

$30.00

  Returned Payment 
Late Payment 

Up to 5.00% of the payment due or $30.00 after 10 days (depending on Your state of residence 
when You applied for credit) 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 
See Your Account Agreement for details. 

Loss of Introductory APR: We may end Your introductory APR and apply the Penalty APR if You make a late 
payment or are otherwise in default. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your 
Account Agreement.