Oregon Community Credit Union  and OCCU  Card Services, LLC  
Platinum Visa� Credit Card Solicitation Disclosures  
INTEREST RATES 
AND CHARGES  NICE� Platinum Visa�  
 NICE PERKS� Platinum Visa�  Duck Card� or OSU Beaver Card  
Platinum Visa� 
Annual Percentage 
Rate (APR) for 
Purchases  9.24% to 19.24 %, based on your 
creditworthiness when you open your account.  
This APR will vary with the market based on the Prime Rate.*  10.24 % to 20.24 %, based on your 
creditworthiness when you open your account.  
This APR will vary with the market based on the Prime Rate .* 10.24 % to 20.24 %, based on your 
creditworthiness when you open your account.  
This APR will vary with the market based on the Prime Rate.*  
APR for Balance 
Transfers  0.00%  introductory APR for 12 billing cycles from the 
account opening date, for balance transfers completed within 60 
days of the account opening date . 
After that your APR will be, 9.24% to 19.24 %, 
based on your creditworthiness when you open your account.  
This APR will vary with the market based on the Prime Rate.*  0.00%  introductory APR for  12 billing cycles from the 
account opening date, for balance transfers completed within 60 
days of the account opening date . 
After that your APR will be, 10.24 % to 20.24 %, 
based on your creditworthiness when you open your account.  
This APR will vary with the market based on the Prime Rate.*  0.00%  introductory APR for 7  billing cycles from the 
account opening date, for balance transfers completed within 60 
days of the account opening date . 
After that your APR will be, 10.24 % to 20.24 %, 
based on your creditworthiness when you open your account.  
This APR will vary with the market based on the Prime Rate.*  
APR for Cash 
Advances  14.24 % to 24.24 %, based on your creditworthiness when you 
open your account.  
This APR will vary with the market based on the Pr ime Rate.*  15.24 % to 25.24 %, based on your creditworthiness when you open 
your account.  
This APR will vary with the market based on the Prime Rate.*  15.24 % to 25.24 %, based on your creditworthiness when you open 
your account.  
This APR will vary with the market based on the Prime Rate.*  
Paying Interest  Your due date is at least 25 days after the close of each billing 
cycle. We will not charge any interest on the portion of the 
purchases balance that you pay by the due date each month. 
We will begin charging interest on cash advances and balance 
transfers on the transaction date.  Your due date is at least 25 days after the close of each billing 
cycle. We will not charge any interest on the portion of the 
purchases balance that you pay by the due date each month. We 
will begin charging interest on cash advances and balance 
transfers on the transaction date.  Your due date is at least 25 days after the close of each billing 
cycle. We will not charge any interest on the portion of the 
purchases balance tha t you pay by the due date each month. We 
will begin charging interest on cash advances and balance 
transfers on the transaction date.  
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 . 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 . To learn more abo ut 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  None  None  
Transaction Fees : 
Cash Advance Fee  
 
Balance Transfer Fee  
 
Foreign Transaction 
Fee  
$10 or 3% of the amount of each cash advance, whichever is 
greater.  
$10 or 3% of the amount of each balance transfer, whichever is 
greater.  
None .  
$10 or 3% of the amount of each cash advance, whichever is 
greater.  
$10 or 3% of the amount of each balance transfer, whichever is 
greater.  
None .  
$10 or 3% of the amount of each cash advance, whichever is 
greater.  
$10 or 3% of the amount of each balance transfer, whichever is 
greater.  
None . 
Penalty Fees : 
Late Payment Fee  
Returned Payment 
Fee  
Up to  $25. 
Up to  $25.  
Up to  $25. 
Up to  $25.  
Up to  $25. 
Up to  $25. 
How We Will Calculate Your Balance:  We use a method called �average daily balance� (including new purchases).  
Loss of Introductory APR:  We may end your introductory APR and apply the Non -Introductory APR if you do not pay the full amount of any minimum payment due within 60 days of its pay ment due date.  
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Account A greement.  
Program Terms : Introductory terms and bonus reward offers are for new cardholders only. If you have received the benefit of a card promotion  on an OCCU or OCCU Card Services, LLC credit card product in the past 24 months 
you are not eligible for this promotion.  We will  not process any balance transfer request to pay off or pay down any account or loan issued by Oregon Community Credit Union, OCCU Card Services, LLC or our affiliates.  
*The APR is based on the Prime Rate of 3.50 % as of September 1, 2016 . The above rates and fe es are  effective as of September 1, 2016 .