Visa Platinum ScoreCard Rewards 
Credit Card Disclosure 

PO Box 1551 ∙ Jacksonville, NC ∙ 28541-1551 
                   910.577.7333 OR 800.225.3967 

The information about costs of the card described in this disclosure is accurate as of January 20, 2015. Contact us at the address/phone 
number above to find out what may have changed since this date.  
Interest Rates And Interest Charges 
ANNUAL 
PERCENTAGE RATE 
(APR) for  Purchases 

*7.90% for members with credit scores of 700 and above at time of application 
*8.90% for members with credit scores of 680 - 699 at time of application 
*11.90% for members with credit scores of 600-679 or no score at time of application 
*18.00% for members with credit scores of less than 599 at time of application 
*7.90% for members with credit scores of 700 and above at time of application 
*8.90% for members with credit scores of 680 - 699 at time of application 
*11.90% for members with credit scores of 600-679 or no score at time of application 
*18.00% for members with credit scores of less than 599 at time of application 

*7.90% for members with credit scores of 700 and above at time of application 
*8.90% for members with credit scores of 680 - 699 at time of application 
*11.90% for members with credit scores of 600-679 or no score at time of application 
*18.00% for members with credit scores of less than 599 at time of application 

APR for  Balance 
Transfers 

APR for  Cash 
Advances 

*Rates shown are variable and subject to change. Your rate may vary based on individual creditworthiness and our underwriting 
standards. 

Penalty  APR and When   
It Applies 

Paying  Interest 

Minimum  Payment 

Credit  Card  Tips  from 
the Consumer  Financial 
Protection 

18.00% may be applied to your account if you:  
(1)  Make a late payment 
(2)  Go over your credit limit 
(3)  Make a payment that is returned; or 
(4)  Do any of the above on another account you have with us. 
How  long will the  Penalty APR  apply?   If  your  APRs are increased for any of these reasons, the Penalty 
APR will only apply for the next six months if you make the next six consecutive minimum payments when due; 
and you do not again default on these conditions during this time. If you fail to make the next six monthly 
payments when due, the Penalty APR will continue to apply until the account is paid in full and closed.  

If  you  receive  a  penalty  rate  and  you  have  a  Visa  Platinum  ScoreCard  (Cash  Back  or Rewards), you will no 
longer be eligible for Cash Back or Rewards benefits. 

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. 
The minimum payment is the greater of 2% of the total new balance, or $35.00, or the total new balance if less 
than $35.00.   If the balance exceeds the limit, the minimum payment is $35.00 plus the amount over the limit or 
2% of the balance plus the amount over the limit. 
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://consumerfinance.gov/learnmore.  

Fees 
Set Up/Maintenance Fees   There are no Set Up or Maintenance Fees on your account. 
Transaction  Fees 

 Penalty  Fees 

Balance Transfer Fee: 3% or $10.00 whichever is greater  
Cash Advance Fee: 3% or $10.00 whichever is greater  
Visa Receipt Copy Fee: $2.00 plus research costs  
Research Fee: $10.00 per hour 
Late Payment Fee: $27.00* on the 1st 
made by the due date. 
Returned Payment Fee: $25.00* on each occurrence. 
*Or less as restricted by law. The fee amount will not exceed the amount of your minimum payment. 

Foreign Transaction Fee: Up to 2.80% 
Credit Card Recovery Fee: $75.00 
Copy of Billing Statement: $5.00 

occurrence or $35.00* for each additional occurrence if the payment is not 

SEE PAGE 2 FOR MORE IMPORTANT INFORMATION ABOUT YOUR ACCOUNT. 

 
 
 
 
 
 
 
 
 
 
 
How we will calculate Your Balance: Average Daily Balance method is figured by adding the outstanding balance (including new 
purchases, and deducting payments and credits) for each day in the billing cycle and dividing the total of each day by the number of days in 
the billing cycle. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 

Security for Advances and Purchases: The Credit Union will acquire a security interest in the property purchased with your Credit 
Card; and collateral securing other loans with us may also secure this account.  Also, you are giving us a security interest in your 
shares and other deposits in the Credit Union.