VISA
Effective as of
Important Terms and Conditions
April 25, 2011
PLATINUM REWARDS VISA CREDIT CARD
Interest Rates and Interest Charges
Annual Percentage Rate
9.90% to 18.00%
(APR) for Purchases
when you open your account, based on your creditworthiness. After that,
your APR will vary with the Wall Street Journal's Highest Published Prime.
APR for Balance
9.90% to 18.00%
Transfers
when you open your account, based on your creditworthiness. After that,
your APR will vary with the Wall Street Journal's Highest Published Prime.
APR for Cash Advances
9.90% to 18.00%
when you open your account, based on your creditworthiness. After that,
your APR will vary with the Wall Street Journal's Highest Published Prime.
Penalty APR and When It Applies
None
How to Avoid Paying Interest on
Your due date is at least 25 days after the close of each billing cycle. We
Purchases
will not charge you interest on purchases if you pay your entire balance by
the due date each month.
Minimum Interest Charge
Not Applicable
For Credit Card Tips from the
To learn about factors to consider when applying for or using a credit card,
Federal Reserve Board
visit the website of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
Fees
Set-up and Maintenance Fees
Annual
None
Account Set-up
None
Participation
None
Additional Card
None
Transaction Fees
Balance Transfer
2% of the amount of each transfer (maximum fee $50)
Cash Advance
2% of the amount of each cash advance (maximum fee $50)
Foreign Transaction
1% of each transaction in U.S. Dollars
Penalty Fees
Late Payment
Up to $25.00
Returned Payment
Up to $25.00
How We Will Calculate your Balance: We use a method called "average daily balance (including purchases)". See your account
agreement
for
more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
The information about the current APR and costs of the VISA credit card described in this disclosure was accurate as of
April 25, 2011 and is subject to change after that date.
To find out what may have changed, call US at 763-544-1517 or 800-862-1998 outstate.
TRUSTONE
FINANCIAL
(763) 544-1517
(800) ) 862-1998
www.TruStoneFinancial.org