TwinStar Credit Union  
VISA Credit Card Application Disclosures  

VISA – Rates & Fees  

INTEREST RATES AND INTEREST CHARGES  

Annual Percentage Rate (APR) for 
Purchases  

1.9% introductory period for 6 months on Platinum; Platinum Rewards; 
and Classic accounts.  

APR for Balance Transfers  

APR for Cash Advances   

Penalty APR  

After that your APR will be 10.75% – 12.75% based on the  
Visa account type and credit limit. This APR will vary with the market based 
on the Prime Rate.  

7.75% – 9.75% When you open your account, based on the Visa account 
type and credit limit. This APR will vary with the market based on the Prime 
Rate.  

13.75% – 15.75% When you open your account, based on the Visa account 
type and credit limit. The APR will vary with the market based on the Prime 
Rate.  

18.0% - This APR may be applied when your minimum monthly payment is 
more than 60 days late.  
How long will the Penalty apply?  If your APR is increased for this reason, 
the  Penalty  APR  will  apply  until  you  make  six  consecutive  minimum 
payments when due  

How to Avoid Paying Interest on 
Purchases  

Your due date is at least 21 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 Grace Period End due date each month.  

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.  

Annual Fee  

Transaction Fees  

   Foreign Transaction Fee  

FEES  

$25 for Platinum Rewards VISA  
None for Platinum or Classic VISA  

Up to 2% of the U.S. dollar amount of the foreign transaction or $0.25 
whichever is greater.  

Penalty Fees  

Late Payment Fee  
• 
•  Returned Check Fee  

$20  
$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 Penalty APR if you make a late payment.  

Balance Transfers: Only balances transferred from an existing credit card account to your TwinStar credit card account 
will qualify as a Balance Transfer. Balances from other types of loans may not be applied to your TwinStar credit card 
account as a Balance Transfer and the Cash Advance APR will apply to such transfers.  

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
account agreement  

We reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are 
current as of September 10, 2018.