VISA Signature Credit Card Disclosure   
V_Consumer 5.25.20 VISA Signature � Rates & Fees  
INTEREST RATES AND INTEREST CHARGES  
Annual Percentage Rate (APR) for Purchases 2.99%  on transactions done in the first six months after account was opened. 
 
After that, your APR will be: 
10.24%  to 16.24% , based on your creditworthiness.   The APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers  10.24% to 16.24% when you open your account, based on your creditworthiness.   
 
After that, your APR will vary with the market based on the Prime Rate. 
APR for Cash Advances 10.24% to 16.24% when you open your account, based on your creditworthiness.   
 After that, your APR will vary with the market based on the Prime Rate. 
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.   
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
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FEES 
Annual Fee $49 
Transaction Fees  
� Cash Advance  � Balance Transfer 
� Foreign Transaction   
None None None 
Penalty Fees � Late Payment � Card Replacement  $25 $5 
 How We Will Calculate Your Balance: We use a method called �average daily balance  (including new purchases)�.    The above terms are current as of 5/25/2020.