How We W ill Calculate Your Balance: We use a method called �average daily balance (including new 
purchases).� See the Credit Card Agreement and Disclosure Statement for more details. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
in the Credit Card Agreement and Disclosure Statement.
The information about the costs of the cards described in this application is accurate as of 5/1/20 19. This 
information may have changed after that date. To find out what may have changed, call 1-800-817-8234 or  
write to Fort Worth Community Credit Union at PO Box 210848, Bedford, Texas 76095-7848
SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HA VE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENSIONS MADE UNDER THIS AGREEMENT. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF ANY CARD WHICH YOU MAY USE, DIRECTLY OR INDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT UNDER THIS AGREEMENT.         Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest you are giving.Annual Percentage Rate (APR) for PurchasesAPR for Balance Transfersand Cash AdvancesPenalty APR and When it AppliesHow to AvoidPaying Interest on PurchasesMinimum Interest ChargeFor Credit Card Tips from the Consumer Financial Protection Bureau7.9% Introductory APR for the first six months. After that, your APR will be 9.9% - 13.9%
9.9% - 13.9% Mastercard and VISA PlatinumShare Secured
9.9%  Interest Rates and Interest Charges
Your due date is at least 25 days after the close of each billing cycle. We will 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.No penalty APRNo minimum interest chargeTo 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/ask-cfpb/category-credit-cards/
  Fees
Annual FeeTransaction Fee�Foreign TransactionPenalty Fees�Late Payment�Returned PaymentNoneUp to 1
% of each transaction in U.S. dollars.Up to $25 Up to $25Mastercard and VISA Platinum IMPORTANT INFORMATION CONCERNING RATES AND FEES FOR CREDIT CARDS
You�re worth more (to us).