BayPort Credit Union 
3711 Huntington Avenue 
Newport News, VA. 23607 

MasterCard Platinum Preferred, MasterCard Platinum Rewards, MasterCard Platinum Cash Back, and MasterCard 
Platinum Secured Credit Cards Application and Solicitation Disclosure. Please keep this with all your loan documents. 
Annual Percentage Rates and other related information for each card is shown below. 

Interest Rates and Interest Charges 
Annual Percentage Rates 
(APR) for Purchases 

MasterCard Platinum Preferred 

7.99%  -  17.49%  when  you  open  your  account,  based  on  your 
creditworthiness. 

MasterCard Platinum Rewards 

8.49%  -  17.99%  when  you  open  your  account,  based  on  your 
creditworthiness. 

MasterCard Platinum Cash Back 

8.99%  -  18.49%  when  you  open  your  account,  based  on  your 
creditworthiness. 

After that your APR will vary with the market based on the Prime Rate. 

MasterCard Platinum Secured 

14.99% when you open your account.   

APR for Balance Transfer 

*2.99%  Introductory  rate  effective  February  15,  2016  thru  May  15,  2016.    The 
balance  accumulated  during  this  promotion  period  will  remain  at  the  2.99% 
through statement closing of December 2016.   

MasterCard Platinum Preferred 

7.99% - 17.49% This APR will vary based on the Prime Rate.   

MasterCard Platinum Rewards 

8.49% - 17.99% This APR will vary based on the Prime Rate.   

MasterCard Platinum Cash Back 

8.99% - 18.49% This APR will vary based on the Prime Rate.   

MasterCard Platinum Secured 

14.99% when you open your account.   

APR for Cash Advances 

MasterCard Platinum Preferred 

7.99% - 17.49% This APR will vary based on the Prime Rate.   

MasterCard Platinum Rewards 

8.49% - 17.99% This APR will vary based on the Prime Rate.   

MasterCard Platinum Cash Back 

8.99% - 18.49% This APR will vary based on the Prime Rate.   

MasterCard Platinum Secured 

14.99% when you open your account.   

Penalty APR and When it Applies 
Paying  Interest  -  applicable  to  all 
of  the  above  mentioned  credit 
cards 

Interest  Charge 

Minimum 
– 
applicable  to  all  of  the  above 
mentioned credit cards 
For  Credit  Card  Tips  from  the 
Consumer  Financial  Protection 
Bureau 

None 
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 the entire balance by the due 
date  of  each  month.  We  will  begin  charging  interest  on  cash  advances  and 
balance transfers on the date of the transaction. 
None 

To learn more about factors to consider when applying for or using a credit card, 
visit 
the  Consumer  Financial  Protection  Bureau  at 
http://www.consumerfinance.gov/learnmore 

the  website  of 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                                                  
 
 
 
 
 Fees - Applicable to all of the credit cards listed in this disclosure 
Annual Fee 
Transaction Fees 

None 

Balance Transfer Fee 

Cash Advance Fee 

Foreign Transactions 
Penalty Fees 

None 

None 

1.10% of each transaction in U. S. dollars. 

Over the limit fee 

None 

Late Payment fee 

Return Payment fee 

Other Fees  

Up  to  $20.00  fee  assessed  if  payment  is  not  received  5  days  after  statement 
closing. 

Up  to  $20.00  Non-sufficient  funds  or  items  returned  for  uncollected  funds, 
regardless of reason. 

Card Replacement Fee   

$5.00  

Applies 
Secured Card Only 

to  MasterCard  Platinum 

$20.00 fee when account is closed within 60 days of opening date. 

How we calculated your balance: We use a method called “average daily balance (including new purchases).” See your 
account agreement for more details. 

*Loss  of  Introductory  APR  on  Balance  Transfers:  If  your  minimum  monthly  payment  is  not  received  by  the  statement 
closing date, the APR for balance transfers will revert back to the standard APR.  The standard APR will also apply to any 
balance  and  future  transactions  accumulated  after  the  promotion  period.    If  the  account  balance  exceeds  your  approved 
limit or if the account is closed, your APR will increase to the standard rate.  Offer not valid on existing accounts or accounts 
associated  with  existing  accounts  and  cannot  be  combined  with  any  other  offer.    Transfer  may  not  include  BayPort  loan 
balance.  

Variable Rate Information: Your APR may vary on a MasterCard Platinum Preferred, MasterCard Platinum Rewards, and 
MasterCard Platinum Cash Back Credit Card.  Rates are determined and adjusted annually by adding a margin to the Prime 
Rate published in the Wall Street Journal on the first business day of July.  The margin will range from 4.74% to 15.24%.   

Effective Date:   The information about costs of the card described in this application is accurate as of February 15, 2016. 
This information may have changed after that date. To find out what may have changed, contact the credit union at 757-
928-8850 or 1-800-928-8801.