Visa® Indie Disclosures 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

14.80%    

APR for Balance Transfers 

1.99% promotional APR for first 12 billing cycles from date of 
balance transfer made prior to September 30, 2018. After that, your 
APR will be 14.80% depending on your creditworthiness. 

APR for Cash Advances 

14.80% 

Penalty APR and 
When it Applies 

None 

How to Avoid Paying 
Interest on Purchases 

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.

Minimum Interest Charge  None 

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

Fees 

Annual Fee 

None 

Penalty Fees 

 Late Payment

Up to $27.00

 Over-the-Credit Limit

None 

 Returned Payment

Up to $27.00

How We Will Calculate Your Balance:  We use a method called “average daily balance (including 
new purchases).” 

Loss of Promotional APR: We may end your balance transfer promotional APR and apply the 
regular APR if your account becomes more than 62 days past due, is revoked, included in 
bankruptcy, or becomes in default, the APR will return to the regular rate and monthly preiodic rate.

Rev 5/2018