PO Box 261209 ● San Diego, CA 92196-1209 

(877) 732-2848 ● sdccu.com 

VISA SIGNATURE 
VISA PLATINUM 
SHARE SECURED VISA CLASSIC 
APPLICATION AND SOLICITATION DISCLOSURE 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Visa Signature (Non-Variable) 
12.99%, 15.99%, 17.99%, or 22.99% when you 
open your account, based on your creditworthiness. 

Visa Platinum (Non-Variable) 
9.99%, 12.99%, 14.99%, or 19.99% when you 
open your account, based on your creditworthiness. 

Share Secured Visa Classic (Non-Variable) 
15.00% 
Visa Signature (Non-Variable) 
16.99%, 19.99%, 21.99% or 26.99% when you open your account, 
based on your creditworthiness. 

Visa Platinum (Non-Variable) 
13.99%, 16.99%, 18.99% or 23.99% when you open your account, 
based on your creditworthiness. 

Share Secured Visa Classic (Non-Variable) 
15.00% 
Visa Signature (Non-Variable) 
16.99%, 19.99%, 21.99% or 26.99% when you open your account, 
based on your creditworthiness. 

Visa Platinum (Non-Variable) 
13.99%, 16.99%, 18.99% or 23.99% when you open your account, 
based on your creditworthiness. 

Share Secured Visa Classic (Non-Variable) 
15.00% 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month. 
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 www.consumerfinance.gov/learnmore. 

Fees 

Set-up and Maintenance Fees - 
- Annual Fee – Visa Signature 
- Annual Fee – Visa Platinum 
- Annual Fee – Share Secured Visa Classic  

$89.00 
None 
$20.00 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved  

10400768-MXC40-C-1-050516 (MXC403 CCM003)-e 
SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Transaction Fees 
- Balance Transfer Fee 

- Cash Advance Fee 

- Visa Signature Foreign Transaction Fee 
-  Visa  Platinum  and  Share  Secured  Visa 

Classic Foreign Transaction Fee 

Penalty Fees  
- Late Payment Fee 
- Returned Payment Fee 

$1.00 or 2.00% of the amount of each balance transfer, whichever 
is greater 
$1.00 or 2.00% of the amount of each cash advance, whichever is 
greater 
0.00% of each transaction in U.S. dollars 
2.00% of each transaction in U.S. dollars 

Up to $10.00 
Up to $20.00 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). 

Effective Date: 
The information about the costs of the card described in this application is accurate as of November 2, 2016. This 
information may have changed after that date. To find out what may have changed, contact SDCCU at 
(877) 732-2848. 

Other Disclosures: 
Visa Platinum and Share Secured Visa Classic   $35.00 annually. This program fee is charged to all accounts that  
elect to have SDCCU’s Fly Miles Plus Reward Program. The fee is 
Fly Miles Plus™ Reward Program 
waived if annual purchases are $6,000.00 or more. The Fly Miles Plus 
Reward Program is not available on the Visa Signature. 

Late Payment Fee 

Returned Payment Fee 

$10.00 or the amount of the required minimum payment, whichever is 
less, if you are 11 or more days late in making a payment. 

$20.00 or the amount of the required minimum payment, whichever is 
less. 

Statement Copy Fee 

$5.00 per document 

Card Replacement Fee 

Non-CO-OP ATM Withdrawal Fee 

$5.00 each 

$1.50 each 

Non-CO-OP ATM Inquiry Fee 

$0.50 per inquiry 

International ATM Withdrawal Fee 

$3.00 each 

Share Secured Visa Classic Card: Credit extended under this credit card account is secured by a portion of the 
shares you have on deposit at SDCCU. You will be asked to sign a pledge of shares form, and the amount of the 
pledge will be equal to 120% of your approved credit limit. 

Apply Today! 

10400768-MXC40-C-1-050516 (MXC403 CCM003)-e