Bellco Credit Union   
Account Disclosure 
Visa® Platinum Credit Card 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers  

9.50% to 21% based on creditworthiness. 
This APR will vary with the market based on the Prime Rate. 
21% 

APR for Cash Advances 

21% 

Penalty APR 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 
Fees 
Annual Fee 

Transaction Fees 

  Balance Transfer 

Cash Advance 

Foreign Transaction 

Penalty Fees 

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.  We will begin charging interest on cash advances or balance 
transfers on the transaction date. 
None 
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 

Either $10 or 4% of the amount of each balance transfer, whichever is greater 
(maximum fee: $75) 
Either $10 or 4% of the amount of each cash advance, whichever is greater 
(maximum fee $75) 
Up to 1% of each transaction in U.S. dollars. 

Late Payment 
  Returned Payment 
  Over the Limit Fee 

The lesser of minimum payment due or $25. 
$10.  
None 
How We Will Calculate Your Balance:  
your account agreement for more details. 
Expedite Delivery of Card: A fee of $45 may be charged for expedited delivery of a Card at the time of request. 
Periodic Rates: After any Introductory Rate period, or if an Introductory rate does not apply to your Account, the periodic rate 
for purchases will range from 0.0260% per day to 0.0576% per day which corresponds to an ANNUAL PERCENTAGE RATE 
ranging from 9.50% to 21%.  The periodic rate for cash advances is 0.0576% per day with a corresponding annual percentage 
rate of 21%.  Balance transfers will be considered a cash advance and will accrue interest like a cash advance.  Balance transfers 
will be referred to as cash advance for purposes of this disclosure. 
Effective Date: This disclosure is effective as of April 1, 2020 and is subject to change after date listed. 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement.  

  See