IMPORTANT INFORMATION CONCERNING 
RATES AND FEES FOR CREDIT CARDS

You’re worth more (to us).

  Interest Rates and Interest Charges

Mastercard and VISA Platinum 

Mastercard and VISA Platinum
Share Secured

Annual Percentage 
Rate (APR) for Purchases

7.9% Introductory APR for the first six months. 
After that, your APR will be 9.9% - 13.9%

9.9%

APR for Balance Transfers
and Cash Advances

9.9% - 13.9% 

Penalty APR and When 
it Applies

No penalty APR

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 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.

Minimum Interest Charge

No minimum interest charge

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

Transaction Fee
    •  Foreign Transaction

Penalty Fees
    •  Late Payment
    •  Returned Payment

Up to 1% of each transaction in U.S. dollars.

Up to $25 
Up to $25

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily  balance  (including  new 
purchases).” See the Credit Card Agreement and Disclosure Statement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
in the Credit Card Agreement and Disclosure Statement.

The information about the costs of the cards described in this application is accurate as of 9/1/2018. This
information may have changed after that date. To find out what may have changed, call 1-800-817-8234 or
write to Fort Worth Community Credit Union at PO Box 210848, Bedford, Texas 76095-7848

SECURITY:  YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY  INTEREST  IN  ALL  INDIVIDUAL 
AND  JOINT ACCOUNTS  YOU  HAVE  WITH  US  NOW AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT  OF 
CREDIT EXTENSIONS MADE UNDER THIS AGREEMENT. THE GRANTING OF THIS SECURITY INTEREST IS 
A CONDITION FOR THE ISSUANCE OF ANY CARD WHICH YOU MAY USE, DIRECTLY OR INDIRECTLY, TO 
OBTAIN EXTENSIONS OF CREDIT UNDER THIS AGREEMENT.                                                                                                                        

Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment 
under state or federal law if given as security are not subject to the security interest you are giving.