16320 Kensington Drive, 
Sugar Land, TX 77479 
(281) 243-0500 
www.houstonfcu.org 

Borrower(s) Name and Address 

Interest Rates and 
 Interest Charges  

ANNUAL PERCENTAGE 
RATE 
for Purchases 

ANNUAL PERCENTAGE 
RATE 
for Balance Transfers 

ANNUAL PERCENTAGE 
RATE 
for Cash Advances 

How to Avoid Paying 
Interest 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 
Fees 

Annual Fee  

Transaction Fees 

Cash Advance & 
Balance Transfers 
Foreign Transactions  

CREDIT CARD OPENING DISCLOSURE 

Date 

Account/Member Number 

Credit Limit 

 Visa Platinum Prime Lock      
 Visa Platinum Advantage/Visa Platinum Family 
 Visa Platinum Prime Lock - 2.99% Introductory APR for 180 days from the issuance of the card. 

 Visa Platinum Rewards    
 Visa Secured 

After that your APR will be 3.25%. 

 Visa Platinum Advantage/ Visa Platinum Family - 2.99% Introductory APR for 180 days from the issuance of the 

card. 
After that your APR will be __________% This APR will vary with the market based on the Prime Rate. 

 Visa Platinum Rewards - 2.99% Introductory APR for 180 days from the issuance of the card. 

After that your APR will be __________% This APR will vary with the market based on the Prime Rate. 

 Visa Secured - 2.99% Introductory APR for 180 days from the issuance of the card.  After that your APR will be 

__________% This APR will vary with the market based on the Prime Rate. 

 Visa Platinum Prime Lock - 2.99% Introductory APR for 180 days from the issuance of the card. 
After that your APR will be __________% This APR will vary with the market based on the Prime Rate. 

 Visa Platinum Advantage/ Visa Platinum Family - 2.99% Introductory APR for 180 days from the issuance of the 

card. 
After that your APR will be __________% This APR will vary with the market based on the Prime Rate. 

 Visa Platinum Rewards - 2.99% Introductory APR for 180 days from the issuance of the card. 

After that your APR will be __________% This APR will vary with the market based on the Prime Rate. 

 Visa Secured - 2.99% Introductory APR for 180 days from the issuance of the card.  After that your APR will be 

__________% This APR will vary with the market based on the Prime Rate. 

 Visa Platinum Prime Lock - 2.99% Introductory APR for 180 days from the issuance of the card. 
After that your APR will be __________% This APR will vary with the market based on the Prime Rate. 

 Visa Platinum Advantage/ Visa Platinum Family - 2.99% Introductory APR for 180 days from the issuance of the 

card. 
After that your APR will be __________% This APR will vary with the market based on the Prime Rate. 

 Visa Platinum Rewards - 2.99% Introductory APR for 180 days from the issuance of the card. 

After that your APR will be __________% This APR will vary with the market based on the Prime Rate. 

 Visa Secured - 2.99% Introductory APR for 180 days from the issuance of the card.  After that your APR will be 

__________% This APR will vary with the market based on the Prime Rate. 
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.  

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 

$50.00 Visa Platinum Prime Lock Only 

None 
1.00% of each transaction 

Copyright 2011 ConmarSystems, Peachtree City, GA  30269 – EFORM  21922-2 Rev. 3/20 

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Penalty Fees 

Late Payment 
Over-the-limit Fee 
Returned Payment Fee 

Up to $15.00 
Up to $15.00 
Up to $30.00 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases)”. See your account agreement for more details. 
Variable Rates:  The Annual Percentage Rate for Visa Accounts are based on the prime rate as published in the Wall Street Journal (Index) plus a margin based on your 
credit worthiness. The margin for your account is ___________________%.  The Annual Percentage Rate will change on the first day of the billing cycle following a change 
in the index.  The Annual Percentage Rate will never be greater than the maximum allowed by law which is currently 18.00%. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account agreement. 

Periodic Rates: 
Visa Platinum Prime Lock 

• 
• 
• 

For Purchases, Balance Transfers, and Cash Advances Introductory Rate; the monthly periodic rate is 0.24917% 

For Purchases after the Introductory Rate; the monthly periodic rate is 0.27083% 

For Balance Transfers, and Cash Advances after the Introductory Rate; the monthly periodic rate is 0.27083% 

Visa Platinum Advantage/Visa Platinum Family and Visa Secured 

• 
• 

For Purchases, Balance Transfers, and Cash Advances Introductory Rate; the monthly periodic rate is 0.24917% 

For Purchases, Balance Transfers, and Cash Advances after the Introductory Rate; the monthly periodic rate is 0.43667% 

Visa Platinum Rewards 

• 
• 

For Purchases, Balance Transfers, and Cash Advances Introductory Rate; the monthly periodic rate is 0.24917% 
For Purchases, Balance Transfers, and Cash Advances after the Introductory Rate; the monthly periodic rate is 0.52% 

Copyright 2011 ConmarSystems, Peachtree City, GA  30269 – EFORM  21922-2 Rev. 3/20 

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