ADDENDUM TO PLATINUM REWARDS VISA® 
CREDIT CARD
AGREEMENT & FEDERAL TRUTH-IN-LENDING 
DISCLOSURE STATEMENT
Retain for your records

Interest Rates and 
Interest Charges 

Platinum

Annual Percentage Rate 
(APR) for Purchases

APR for Cash Advances 

APR for Balance Transfers  

Penalty APR and When 
it Applies

Paying Interest 

0.00% introductory APR for six months.  
After that, my APR will be  8.40%. 

This APR 

will vary with the market based on the Prime Rate.

0.00% introductory APR for six months.
After that, my APR will be  8.40%.  This APR 

will vary with the market based on the Prime Rate.

0.00% introductory APR for six months.
After that, my APR will be 8.40%.  This APR 

will vary with the market based on the Prime Rate.

17.90% 

This APR may be applied to my account if I:

1) Make a late payment; or
2) Make a payment that is returned.

How Long Will the Penalty APR Apply?  If my  
APR is increased for any of these reasons, the 
Penalty APR will apply until I make six 
consecutive minimum payments when due.

My due date is at least 25 days after the close of 
each billing cycle.  You will not charge me interest 
on purchases or balance transfers if I pay my entire 
balance by the due date each month.  You will 
begin charging interest on cash advances on the 
transaction date.

For Credit Card Tips from 
the Consumer Financial
Protection Bureau

To learn more about factors 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

None

Fees

Transaction Fees

• Balance Transfers
• Cash Advance

None
Either $2.00 or 2% of the amount of cash advance, whichever is 
greater (maximum fee: $25.00). 

• Foreign Transactions

1.0% of each foreign transaction in non-U.S. currency 
0.8% of each foreign transaction in U.S. dollars

Penalty Fees

• Late Payment
• Returned Payment

$15.00  
$25.00

How You Will Calculate My Balance:  You use a method called “average daily balance (including new 
purchases).”  I must see my account agreement for more details.
Loss of Introductory APR:  You may end my introductory APR and apply the Penalty APR if I make 
a late payment.
Billing Rights:  Information on my rights to dispute transactions and how to exercise those rights is 
provided in my account agreement.  

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ADDENDUM TO PLATINUM REWARDS VISA® 
CREDIT CARD
AGREEMENT & FEDERAL TRUTH-IN-LENDING 
DISCLOSURE STATEMENT
Retain for your records
As of April 1, 2016, the variable ANNUAL PERCENTAGE RATE (APR) for purchases, balance transfers, 
and cash advances is the U.S. Prime Rate plus a margin of 4.90%. The Monthly Periodic Rate in effect 

for your Platinum Rewards VISA® Credit Card is 0.7000% with a corresponding APR of 8.40%. 

NOTE: Recently opened Platinum Rewards VISA® Credit Card Accounts continue to be subject to the 

introductory Monthly Periodic Rate of  0.00% with a corresponding APR of 0.00% as disclosed in 

the Platinum Rewards VISA® Credit Card Account Agreement and Federal Disclosure Statement 

during the first six (6) monthly billing cycles after the account is established. Thereafter, the APR 

will convert to a variable rate.

LOS ANGELES POLICE FEDERAL CREDIT UNION
SCHEDULE OF FEES
EFFECTIVE APRIL 1, 2016 
PLATINUM REWARDS VISA® CREDIT CARD ACCOUNTS

Annual Fee .................................................................................................................................... None
Late Payment Fee ......................................................................................................................... $15.00
PLATINUM REWARDS VISA® Credit Card Loan Check stop payment (per item) ........................ $20.00
PLATINUM REWARDS VISA® Credit Card Returned Payment Fee (per item) ............................ $25.00
PLATINUM REWARDS VISA® Credit Card Statement copy (per copy) ......................................... $5.00

Thank you for being partners in a proud traditionSM.

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