Disclosure Information for Visa Platinum, Visa Platinum Rewards, Visa Signature, & Visa Platinum Cash Rewards 
The Visa Platinum introductory APR applies only to new credit card accounts opened on or after May 12th, 2021. Not available for HVCU credit line 
increases, refinances or HVCU credit card transfers. No exceptions will be made or considered. Offer may withdrawn at any time by HVCU without further 
notice to you. Interest Rates  
and Interest 
Charges Visa� Platinum Visa� Platinum Rewards Visa� Signature Visa� Platinum Cash Rewards 
Annual 
Percentage Rate 
(APR) for 
Purchases 0% 
Introductory APR 12 months. 
After that APR will be 
11.50% to 15. 75% 
when you open your 
account, based on your 
credit worthiness. After 
that, your APR will vary 
with the market based on 
the Prime Rate 12.50% to 16. 75% 
when you open your 
account, based on your 
credit worthiness. After 
that, your APR will vary 
with the market based on 
the Prime Rate 12.50% to 13.5 0% 
when you open your 
account, based on your 
credit worthiness. After 
that, your APR will vary 
with the market based on 
the Prime Rate 13.50% to 17. 75% 
when you open your 
account, based on your 
credit worthiness. After 
that, your APR will vary 
with the market based on 
the Prime Rate 
APR for 
Balance Transfers 0% 
Introductory APR for 12 
months. After that APR will 
be 
11.50% to 15. 75% 
This APR will vary with the 
market based on the Prime 
Rate 12.50% to 16. 75% 
This APR will vary with the 
market based on the Prime 
Rate 12.50% to 13. 50% 
This APR will vary with the 
market based on the Prime 
Rate 13.50% to 17. 75% 
This APR will vary with the 
market based on the Prime 
Rate  APR for Cash 
Advances 0% 
Introductory APR for 12 
months. After that APR will 
be 
11.50% to 15. 75% 
This APR will vary with the 
market based on the Prime 
Rate 12.5 0% to 16. 75% 
This APR will vary with the 
market based on the Prime 
Rate 12.5 0% to 13.5 0% 
This APR will vary with the 
market based on the Prime 
Rate 13.5 0% to 17. 75% 
This APR will vary with the 
market based on the Prime 
Rate 
Penalty APR 
and When it 
Applies None None None None 
Paying Interest 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. 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. 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. 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.  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 . To learn more  about 
factors to consider when 
applying for or using a 
credit card, visit the 
website of 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 . To learn more about factors  
to consider when applying 
for or using a credit card, 
visit the website of the 
Consumer Financial Protection Bureau . 
Fees 
Annual Fee N/A N/A 
Transaction Fees 
Cash Advance 3% of advance amount 
Foreign 
Transaction  Exchange Rate plus 1% of 
transaction 
Penalty Fees 
Late Payment  $25 N/A 
3% of advance amount 
Exchange Rate plus 1% of 
transaction 
$25N/A 
3% of advance amount 
N/A 
 $253% of advance amount 
Exchange Rate plus 1% of 
transaction 
$25 
How We Will Calculate Your Balance: We use a method called �average daily balance� (including purchases, cash advances and balance 
transfers). See the Variable Rate Credit Card Agreement and Truth in Lending Disclosure for more details.