Pacific Marine Credit Union
1278 Rocky Point Drive
Oceanside, CA 92056-5867
Toll Free (800) 736-4500
Fax (877) 789-PMCU

IMPORTANT CREDIT CARD DISCLOSURES

The following disclosure represents important details concerning your credit card. The information about costs of the card are
today
. You can contact us toll free at (800) 736-4500 or the address listed above to inquire if any
accurate as of
changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate
(APR) for Purchases, Cash
Advances, & Balance
Transfers

Paying Interest

Visa Platinum

Visa Classic

Visa Secured

9.50%

10.00%, 13.00%,
16.00%, or 19.00%
depending on your credit history.

14.90%

Your due date is at least 21 days after we mail your billing statement. For Purchases: We
will not charge you interest on purchases if you pay your entire new purchase balance by
the due date each month. For Cash Advances and Balance Transfers: You cannot avoid
paying interest and we will begin charging interest on the date the cash advance or
balance transfer is posted to your account.

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 at
http://www.consumerfinance.gov/learnmore

FEES:

Fees to Open or Maintain
your Account

None

Transaction Fees

• Balance Transfer:
• Cash Advance:
• Foreign Transaction:

Penalty Fees

• Late Payment:
• Over-the-Credit Limit:
• Returned Payment:

None
None
1% of each transaction in U.S. dollars if the transaction involves a currency conversion
0.8% of each transaction in U.S. dollars if the transaction does not involve a currency
conversion

Up to $10.00 if your payment is more than 10 days late.
None
Up to $29.00 if your payment is returned for any reason.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

9009 LASER ML FI14196 Rev 6-2016

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.