Important Terms and Conditions 
Visa® Platinum Credit Card 

Effective 
July 14th 2016 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

                          APR* 
This APR will vary with the market based on the Wall Street Journal’s Highest 
Published Prime.  

APRs for Balance Transfers 

APRs for Cash Advances 

Penalty APR and When it Applies 
Minimum Interest Charge 
How to Avoid Paying Interest on 
Purchases 

Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Set-up and Maintenance Fees 
Annual Fee 
Transaction Fees 

  Balance Transfer 
  Cash Advance 
  Foreign Transaction 

Penalty Fees 

Late Payment 

 
  Over-the-Credit Limit 
  Returned Payment 

                          APR* 
This APR will vary with the market based on the Wall Street Journal’s Highest 
Published Prime.  

                          APR* 
This APR will vary with the market based on the Wall Street Journal’s Highest 
Published Prime.  

None 
None 
Your due date is at least 25 days after the close of each billing cycle. 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 
http://www.consumerfinance.gov/learnmore. 

None 

None 
2% of the amount of each cash advance, $50 maximum. 
1% of each transaction in U.S dollars. 

Up to $25 
None 
Up to $25 

How We Calculate Your Balance: We use a method called “average daily balance (including new purchases)”.                           
See cardholder agreement for complete details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement. 

*Your standard APR may vary and is based on Prime Rate. Your rate is determined by adding a margin to the Prime Rate. The 
Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and 
October) and changes are effective as the first day of your next billing cycle. Current rate as of December 21st, 2015.                       
See cardholder agreement for complete details. 

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