MEMBERS CREDIT UNION
LOANLINER
making lives better
126 E. Putnam Ave. 2W
Members
Cos Cob, CT 06807
Phone: (203) 622-6050
VISA
Credit Union
Fax: (203) 622-6051
VISA PLATINUM AND VISA CLASSIC
Website: www.memberscu.coop
APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Visa Platinum
Purchases
9.99%
Visa Classic
14.99%
APR for Cash Advances
Visa Platinum
9.99%
Visa Classic
14.99%
APR for Balance Transfers
Visa Platinum
9.99%
Visa Classic
14.99%
Penalty APR and When it Applies
Visa Platinum
18.00%
Visa Classic
18.00%
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 any of these reasons, the Penalty APR will apply until your account
becomes current; then you must make 6 consecutive minimum
payments when due, then the rate will reduce to the rate in effect for
non-delinquent accounts.
How to Avoid Paying Interest on Purchases
Your due date is at least 21 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.
For Credit Card Tips from the Federal
To learn more about factors to consider when applying for or using a
Reserve Board
credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
Fees
Set-up and Maintenance Fees
- Annual Fee - Visa Platinum
None
- Annual Fee - Visa Classic
None
- Account Set-up Fee
None
- Program Fee
None
- Participation Fee
None
- Additional Card Fee
None
- Application Fee
None
Transaction Fees
- Balance Transfer Fee - Visa Platinum
$10.00
- Balance Transfer Fee - Visa Classic
None
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED
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SEE BACK OF PAGE for more important information about your account.
- Cash Advance Fee - Visa Platinum
$10.00
- Cash Advance Fee - Visa Classic
None
- Foreign Transaction Fee
None
- Transaction Fee for Purchases
None
Penalty Fees
- Late Payment Fee
Up to $25.00
- Over-the-Credit Limit Fee
None
- Returned Payment Fee
Up to $25.00
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."
"
Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making
a payment.
Effective Date.
The information about the costs of the card described in this application is accurate as of September 1, 2010.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee
$25.00
or the amount of the required minimum payment, whichever
is less, if you are five (5) or more days late in making a payment.
Returned Payment Fee
$25.00
or the amount of the required minimum payment, whichever
is less.
Statement Copy Fee
None
Document Copy Fee
None
Rush Fee
$20.00
PIN Replacement Fee
None
Card Replacement Fee
$10.00
Pay-by-Phone Fee
$10.00
per payment
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