Terms and Conditions Starter Visa - SkyOne Federal Credit Union

Starter Classic Visa  Terms and Conditions

®

Interest Rates and Interest Charges

Variable Annual Percentage Rate
(APR) for Purchases, Balance
Transfers and Cash Advances

18.00%

when you open your account.

  Effective 10-18-2016

Minimum Monthly Payment

2% of the outstanding balance or $40, whichever is greater.

How to Avoid Paying Interest on
Purchases

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.

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.

Fees

Annual Fee

Transaction Fees

Penalty Fees

$0

• Balance Transfer: $0
• Cash Advance: $0
• Foreign Transaction: Visa International Service Assessment Fee
          • Single Currency Transaction: 0.8% of transaction
          • Multiple Currency Transaction: 1.0% of transaction

•   Late Payment: $25 for the first violation, $30 for the next violation(s)
during the next 6 billing cycles
•   Overlimit: $0
•   Return Payment: $0

Balance Computation Method

Average daily balance including new purchases.

Finance Charge

Calculated using monthly periodic data.

Advertised rate includes a 0.25% discount for automatic payments. Without Autopay, your annual percentage rate will be 0.25% higher.

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