P.O. Box 20541
Atlanta, GA 30320-2541

CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges

Annual Percentage 
Rate (APR) for 
Purchases
APR for Balance 
Transfers
APR for Cash 
Advances
Penalty APR and 
When it Applies

Visa Platinum Rewards 
11.25% to 15.25%, based on your creditworthiness
Your APR will vary with the market based on the Prime Rate

11.25% to 15.25%, based on your creditworthiness
This APR will vary with the market based on the Prime Rate
11.25% to 15.25%, based on your creditworthiness
This APR will vary with the market based on the Prime Rate
16.25% to 20.25%, based on your creditworthiness
This APR will vary with the market based on the Prime Rate

This APR may be applied to the entire balance on your account if you:
- Make a late payment

How Long Will the Penalty APR Apply? If Your APRs are increased 
for this reason, the Penalty APR will apply until you make at least six 
(6) minimum payments by the payment due date as shown in your 
monthly statement.
Your due date is at least 25 days after the close of each billing cycle.  
We do not charge you 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. 
None

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

Paying Interest

Minimum Interest 
Charge
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau

 
Fees
Annual Fee
Transaction Fees
- Cash Advance 
- Foreign 

Transaction Fee

Penalty Fees
-

Late Payment 
Fee

None

$3.00
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars

Up to $25.00

- Over-the-Credit 

None

Limit Fee
- Returned 

Payment Fee

Up to $25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including 
new purchases).”

Effective Date: The information about the costs of the card described in this disclosure is accurate as 
of November 10, 2019. This information may have changed after that date.  For more information 
please contact us at 1-800-544-3328.

OTHER DISCLOSURES

Late Payment Fee -

Returned Payment Fee -

$25.00 or the amount of the required minimum payment, whichever is
less, if you are ten (10) or more days late in making a payment.
$25.00 or the amount of the required minimum payment, whichever is 
less. Returned payment fees are assessed for both returned checks 
and for returned auto transfer payments that are NSF on the due date.

Statement Copy Fee -             $3.00
$6.00
Document Copy Fee -
$15.00 Weekday
Rush Fee -
$30.00 Saturday
$15.00
$0.00

Stop Payment Fee -
Payment Holiday Fee -