VARIABLE RATE CREDIT CARD  
AGREEMENT AND 
 TRUTH IN LENDING DISCLOSURE 

In this Variable Rate Credit Card Agreement and Truth in Lending Disclosure (Agreement), the words you and your mean each and all of those who 
applied for the Card. Card means the Credit Card or Cards for which you applied and any duplicates or renewals we issue. Account means this open-
end revolving line of credit account established pursuant to this Agreement. Charges are posted to the Account from the use of the Card, information 
from the Card or any other device or procedure by which the Account can be accessed. We, us and our mean Hudson Valley Federal Credit Union 
(HVFCU).  

RESPONSIBILITY  
You agree to repay all charges, purchases, cash advances and finance charges arising from the use of the Card and the Account. For example, you are 
responsible for charges made by yourself, your spouse, and minor children. You are also responsible for charges made by anyone else to whom you 
give the Card, and this responsibility continues until the Card is recovered. You cannot disclaim responsibility by notifying us, but we will close the 
Account for new transactions if you so request and return all Cards. Your obligation to pay the Account balance continues even though an 
agreement, divorce decree, or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the 
Account.  

If you have requested an authorized user on your Card, you agree to be responsible for all charges made by yourself and your authorized user. You 
understand the authorized user is not the person liable for debts incurred with the use of the Card, and that you are the person solely responsible for 
the Account.  

GOVERNING LAW 
This agreement is made in New York and shall be governed by the laws of the State of New York to the extent that New York law is not inconsistent 
with controlling Federal law. New York’s choice of law rules shall not be applied if that would result in the application of non-New York Law. 

CREDIT LINE  
We have established a revolving line of credit for you and will notify you of the credit limit when we issue the Card. You agree not to let the Account 
balance exceed this approved credit line. Each payment you make on your Account will restore your credit line by the amount of the payment, which 
is applied to principal. If you request an increase to your credit limit and we approve the request, your use of the Card constitutes acceptance of the 
increased line. By giving you written notice we may reduce your credit line, or with good cause, revoke your Card and terminate this agreement. 
Good cause includes your failure to comply with this agreement, or an adverse re-evaluation of your creditworthiness. You may also terminate this 
agreement at any time, but termination by either of us does not affect your obligation to pay the Account balance. The Card remains our property 
and you must recover and surrender to us all Cards upon our request and upon termination of this agreement.  

USING THE CARD  
You understand that the use of your Card will constitute acknowledgment of receipt and agreement to the terms of this Agreement.  

To make a purchase, you and any authorized user may use the Card by presenting it to a participating VISA merchant or provide the Card 
information for purchases not made in person. To make a cash advance, there are two alternative procedures to be followed. One is for you and any 
authorized user to present the Card to a participating VISA merchant, to us or to another financial institution, and sign the sales or cash advance 
draft which will be imprinted with your Card. The other is to complete the transaction by using your Personal Identification Number (PIN) in 
conjunction with the Card in an Automated Teller Machine (ATM) or other type of electronic terminal that provides access to the Visa system. You 
may make cash withdrawals that total $1000.00 per day either individually or in aggregate. This service may not be available at all machines. Dollar 
amounts available may vary between machines.  

INACTIVITY  
At the time your Card is due to expire, if your Account has been inactive for a period of 23 months, we will not reissue another Card and your 
Account will be closed. You will then be required to re-apply and be re-qualified to use a Card. 

ISSUANCE OF PERSONAL IDENTIFICATION NUMBER  
We will issue you a Personal Identification Number (PIN) for use with your Card. This PIN is confidential and should not be disclosed to anyone. In 
the event a use of your PIN constitutes an electronic funds transfer, the terms and conditions of your Electronic Funds Transfer Disclosure & 

 
 
 
 
 
 
 
 
  
 
Agreement apply.  

LIABILITY FOR UNAUTHORIZED USE 
You may be liable for unauthorized use of your Card.  

You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or other unauthorized use. In any case, your liability will 
not exceed $50.00 for unauthorized cash advances at ATMs, and zero liability for unauthorized purchases made with your Card. In order to qualify 
for the zero liability, you must not have been negligent or fraudulent in the handling of the Account.  

In case of loss or theft, call the credit union immediately at 845-463-3011. 

MONTHLY PAYMENT 
We will mail you a statement every month showing your previous balances of purchases and cash advances, the current transactions on your 
Account, the remaining credit available under your credit line, the new balances of purchases and cash advances, the total new balance, the finance 
charge due to date, and the minimum payment required. Every month you must pay at least the minimum payment within 25 days of your statement 
closing date. You may pay more frequently, pay more than the minimum payment, or pay the total new balance in full, and you will reduce the 
finance charge by doing so. The minimum payment will be either (a) 2% of your total new balance, or $10.00, whichever is greater, or (b) your total 
new balance, if it is less than $10.00, plus (c) any portion of the minimum payment(s) shown on prior statement(s) which remains unpaid. In 
addition, at any time your total new balance exceeds your credit line, you must immediately pay the excess upon our demand. Payments made to your 
Account will be applied in the following order: fees, finance charges, purchases, and cash advances. We may accept checks marked “payment in full” 
or with words of similar effect without losing any of our rights to collect the full balance of your Account with us. 

FINANCE CHARGE 
HOW TO AVOID PAYING INTEREST ON PURCHASES: 
Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new 
balance by the due date each month. 

HOW WE WILL CALCULATE YOUR BALANCE: 
We use a method called “Average Daily Balance (including new purchases)”. 

HOW WE CALCULATE YOUR BALANCE AND INTEREST CHARGE ON BALANCES: 
We figure the interest charge on your Account by applying the applicable Periodic Rate to the “Balance Subject to Interest Rate” which is the 
“Average Daily Balance” of your Account for each feature category, including certain current transactions. Feature categories include purchases, 
balance transfers, cash advances and promotional balances. These calculations may combine different feature categories with the same “Monthly 
Periodic Rates”. The “Average Daily Balance” for each feature category is arrived at by taking the beginning balance of such feature category each day 
and adding any new transactions to the balance, except we will not include new purchases if you have paid in full the New Balance on your previous 
statement by the Payment Due Date or if the New Balance on your previous statement was zero. Cash advances incur an interest charge from the date 
they are posted to your Account. We then subtract any payments or credits and unpaid interest or other “Finance Charges” allocated to the feature 
category balance for the day. This gives us the daily balance for such feature category. The daily balances for such feature category are then added 
together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance” for such feature category. The interest 
charge is determined by multiplying the “Average Daily Balance” by the monthly periodic rate.  If your periodic rate is computed using an index, your 
periodic rate(s) may vary. The Payment Due Date will be no less than 21 days after we have sent you your current monthly statement. For your 
Account to be considered current and to avoid a late payment fee, you must pay at least the Minimum Payment Due this period and any Past Due 
Amount by the due date shown on your statement. 

For all Cards, the current Monthly Periodic Rate and the corresponding  interest rate will be disclosed to you in a separate letter enclosed with this 
Agreement/Disclosure.   

VARIABLE RATE  
Your Account is subject to a Variable Rate. Your ANNUAL PERCENTAGE RATE (APR) may increase (or decrease) if our index, the Wall 
Street Journal Prime Rate in effect on the fifth to last business day of the month increases (or decreases). When a range of rates is published in the 
Wall Street Journal on that day, the index will be the highest rate. Each month, the new index rate is added to the margin (disclosed separately in the 
letter enclosed) to calculate the ANNUAL PERCENTAGE RATE. The ANNUAL PERCENTAGE RATE, when changed, affects your entire 
balance and is effective the first full statement cycle following the change in the Prime Rate. The ANNUAL PERCENTAGE RATE will never be 
more than NCUA’s rate ceiling. We will not accumulate unused index rate increases and decreases. Changes in the ANNUAL PERCENTAGE 

 
 
 
 
 
 
 
 
 
 
 
 
 
RATE will result in more (or fewer) payments. We may change the index with proper notice to you. 

In accordance with federal regulation, for Card balance transfers conducted in certain situations such as, changing from one product to another 
within this credit union, the amount of the transferred balance will remain at the variable ANNUAL PERCENTAGE RATE in effect for the 
product from which the balance was transferred. For example, if you wish to change from a Point Rewards Visa Platinum Card to a Cash Rewards 
Visa Platinum Card and this change results in transferring the balance remaining on the Point Rewards to the Cash Rewards, the variable ANNUAL 
PERCENTAGE RATE of the Point Rewards must remain in effect on the amount transferred until such time that portion of the balance is paid in 
full and all future transactions will be charged the variable ANNUAL PERCENTAGE RATE in effect for the Cash Rewards product. This does 
not apply in situations when your Card requires replacement, for example if your Card is compromised, lost, stolen, etc. 

CHANGE IN TERMS 
We have the right to change any of the terms of this Agreement, including but not limited to rates and fees, at any time. You will be given notice of a 
change as required by applicable law. Any change in terms governs your Account as of the effective date, and will, as permitted by law and at our 
option, apply both to transactions made on or after such date and to any outstanding Account balance. We may amend the Annual Percentage Rate 
on your Account, based on the results of our obtaining and evaluating your credit information. Use of your Account may constitute agreement to any 
change in terms. 

RETURNS AND ADJUSTMENTS  
Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by sending us a credit, which we will post 
to your Account. If your credits and payments exceed what you owe us, we will hold and apply this credit balance against future purchases and cash 
advances, or if it is one dollar or more, refund it on your written request or automatically after 6 months.  

FOREIGN TRANSACTIONS  
Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The conversion into dollars will be 
made in accordance with the operating rules for international transactions established by Visa, USA, Inc. and may occur on a date other than the date 
of the transaction; therefore, the currency conversion rate may be different than the rate in effect at the time of the transaction.  

We do not determine the currency conversion rate that is used nor do we receive any portion of the currency conversion rate.  
You agree to pay the converted amount.  

The exchange rate to dollars will be a rate that is in effect for the applicable central processing date and is selected either from the range of rates 
available in wholesale currency markets; or the government mandated rate. An International Transaction Fee of 1% of the transaction amount will be 
assessed and will be shown independently of the transaction on your billing statement.  

CONSENSUAL SECURITY INTEREST  
(Shares/deposits as Security) 
To  secure  performance  of  your  obligations  under  this  Agreement,  you  hereby  grant  us  a  security  interest  in  all 
individual  and  joint  share/deposit  account(s)  that  you  may  have  with  us  from  time  to  time  and  in  any  other  money 
that  we  may  owe  you.    You  understand  and  intend  that  by  reason  of  such  security  interest  here  granted,  we  may 
satisfy  your  indebtedness  under  this  Agreement  by  charging  your  share/deposit  account(s)  maintained  with  us  if 
you  default  in  payment  under  the  Agreement,  without  further  notice  to  you.    This  security  interest  does  not  apply 
to  any  Individual  Retirement  Account  or  any  other  account  that  would  lose  special  tax  treatment  under  state  or 
federal law if given as security. 

CROSS COLLATERAL  
To secure your Account, you grant us a purchase money security interest under the Uniform Commercial Code (UCC) in any goods you purchase 
through the Account, except property used for personal, family or household purposes.  Any collateral securing other loans with us (other than your 
principal dwelling) will also secure advances made under this Agreement. If you default, we will have the right to recover any of these goods, which 
have not been paid for through our application of your payments in the manner described under the paragraph Monthly Payments, as provided in 
this Agreement.  

MERCHANT DISPUTES  

 
 
 
 
 
 
 
 
 
 
 
 
We are not responsible for the refusal of any merchant, financial institution, or automated equipment to honor or accept your Card.  

We are subject to claims and defenses (other than tort claims) as described under YOUR BILLING RIGHTS.  

DEFAULT 
You will be in default if:  
you fail to make any minimum payment within 25 days of your statement date;   

you fail to live up to the terms and conditions of this Agreement and Truth-in-Lending Disclosure;  

your creditworthiness is impaired;  
you die, become insolvent, or are the subject of bankruptcy or receivership proceedings;  

you have made a misrepresentation in connection with the Card application and/ or this Agreement, or;  

you are in default on any other loan with us.  

If you are in default, we have the right to terminate this Agreement and demand immediate payment of your full Account balance, subject to our 
giving you any notice required by law. To the extent permitted by law, you will also be required to pay our collection expenses, including court costs 
and reasonable attorney fees.  

CREDIT INFORMATION  
You authorize us to disclose information regarding your Account to credit bureaus and other creditors who inquire of us about your credit standing. 
You also authorize us to request and use a report(s) from outside credit reporting agencies in considering your original request for credit or in 
connection with renewal or continuation of the credit for which you have applied. If you request it, we will tell you whether or not we asked for such a 
report, and if we have, give you the name and address of the agency or agencies.  

EFFECT OF AGREEMENT  
This agreement will be effective when you or an authorized user uses the Card or the Account, or if you fail to cut your Card in half and return it to us 
within 30 days after it is issued to you. This agreement applies to all transactions on your Account even though the sales, cash advance, credit, or 
other slips you sign or receive may contain different terms.  

FEES 
If you fail to make any minimum payment within 35 days of the statement date, a late fee will be imposed as set forth in the fee schedule. 

Your Card is also subject to other applicable fees as set forth in the fee schedule.  

The fee schedule accompanies this Agreement and Disclosure and is incorporated by this reference. We will charge such fees against your Account.  

NO WAIVER  
We can delay enforcing any of our rights any number of times without losing them.  

STATEMENTS  
Statements and notices will be mailed to you at the most recent address given to us. Notice sent to any one of you will be considered notice to all. The 
monthly statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but sales, cash advance, 
credit, or other slips cannot be returned with the statement. You should retain the copy of such slips furnished at the time of the transaction in order 
to verify the monthly statement. 

ACCOUNT BALANCE RESTRICTIONS  
In order to be approved for and maintain a Secured Visa Account, you agree to give us a specific pledge of shares which will equal your credit limit. 
You may cancel your Secured Visa Account at any time without penalty and redeem your pledged shares by paying any amounts borrowed through 
the use of your Card. In order to be certain that your entire balance and all advances on your Account are paid, any shares pledged may not be 
available for 30 days after you have cancelled your Account and any outstanding balance is paid in full.  

AUTOMATIC PAYMENT SERVICE  
If you requested to have your Card payment made automatically, your payment will be made 25 days after the statement print date. If the payment 
date falls on a weekend or holiday, the payment will be made the next processing day. Payments will be based on the ending balance from the 
previous month’s statement.  

 
 
 
 
 
 
 
 
 
 
 
 
If you wish to cancel this service, you may notify us either by calling or writing, at any time, up to 3 business days before the scheduled date of the 
transfer. You must follow up any oral notification, in writing, within 14 days of the oral notification.  

ILLEGAL USE OF FINANCIAL SERVICES  
Any financial service provided by the credit union may be used for any transaction permitted by law. You agree that illegal use of any financial service will 
be deemed an action of default and/or breach of contract and such service and/or other related services may be terminated at our discretion. Illegal use 
includes, but is not in any way limited to, unlawful Internet gambling. You further agree, should illegal use occur, to waive the right to sue us for such 
illegal activity directly or indirectly related to it. You also agree to indemnify and hold the credit union harmless from any suits or other legal action or 
liability, directly or indirectly, including credit union expenses associated with defense of such law suits or other legal action, including attorney fees, 
resulting from such illegal use.  

BLOCKING CARDS AND/OR REFUSAL TO AUTHORIZE TRANSACTIONS 
We may block this Card due to the appearance of unusual spending behaviors or block transactions originating in certain domestic or international 
regions where there is a high volume of fraud.  

CONVENIENCE CHECKS  
You can access your revolving line of credit to purchase goods and services or to obtain cash up to the amount of your credit limit through the use of 
convenience checks. Use of your convenience checks is a cash advance on your Account and is subject to a $10,000 daily limit. We are not required to 
honor a convenience checks that will cause you to exceed your credit limit. We will not pay a convenience check if at the time the check is presented, 
you are in default or we have suspended, terminated or cancelled your Account. Each convenience check must be in the form we have issued to you. 
Convenience checks may be used only by the person whose name is printed on the check. You are responsible for all authorized use of your 
convenience check. You may not use a convenience check to pay any amount which you owe us under your Account. Your monthly statement will 
show you an itemization of the convenience checks posted to your Account during the billing cycle. Convenience checks paid by us will not be 
returned to you with your monthly statement. You may order a stop payment on a convenience check by notifying us orally or in writing. Oral 
notices must be confirmed in writing within fourteen (14) days. Written stop payment orders will remain in effect for six (6) months, but may be 
renewed for an additional six (6) month period by written notice during the time the stop payment order was effective. We will charge a fee when we 
place a stop payment on your check(s). Convenience checks are the property of the credit union. We reserve the right to revoke them at any time. 
You agree to return them at our request.  

INTEGRATED DOCUMENTS  
Any separate sheet of paper, which is delivered to you with this Agreement, is an integrated part of this Agreement and Disclosure.  

HOLDER IN DUE COURSE NOTICE (IF APPLICABLE) 

NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD 
ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY 
HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE  
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT: 

If you think there is an error on your statement, write to us at: 

Hudson Valley Federal Credit Union       
159 Barnegat Rd. 
Poughkeepsie, NY 12601 

You may also contact us on the web at hvfcu.org and click on “Contact Us.”  

In your letter, give us the following information: 

Account information: Your name and account number. 

 
 
 
 
 
 
 
 
  
  
  
  
 
  
Dollar amount: The dollar amount of the suspected error. 

Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

You must contact us: 

Within 60 days after the error appeared on your statement. 

At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.  

You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to investigate any 

potential errors and you may have to pay the amount in question. 

WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER:  

When we receive your letter, we must do two things: 

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

 While we investigate whether or not there has been an error: 

We cannot try to collect the amount in question, or report you as delinquent on that amount. 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 

We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 

If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 

statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think 
you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do 
so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
reported you as delinquent, and we must let those organizations know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 

YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES: 
If you are dissatisfied with the goods or services that you have purchased with your Card, and you have tried in good faith to correct the problem with 
the merchant, you may have the right not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true: 

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been 
more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company 
that sold you the goods or services.) 

2. You must have used your Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your Card 
Account do not qualify. 

3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 

  
  
 
  
 
 
 
 
 
 
 
 
 
 
Hudson Valley Federal Credit Union       
159 Barnegat Rd. 
Poughkeepsie, NY 12601 

or electronically at hvfcu.org and click on “Contact Us”. 
 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. 
At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 

Disclosure	  Information	  for	  Visa	  Platinum,	  Point	  Rewards	  Visa	  Platinum,	  
&	  Cash	  Rewards	  Visa	  Platinum	  

Credit Card Account Opening Disclosure 

Interest Rates 
and Interest 
Charges 

Annual 
Percentage Rate 
(APR) for 
Purchases 

Visa Platinum 

Point Rewards Visa Platinum 

Cash Rewards Visa Platinum 

11.25% to 17.25% This APR will 
vary with the market based on the 
Prime Rate 

12.25% to 18.00% This APR will 
vary with the market based on the 
Prime Rate 

13.25% to 18.00% This APR will 
vary with the market based on the 
Prime Rate 

APR for Balance 
Transfers 

11.25% to 17.25% 
This APR will vary with the market 
based on the Prime Rate 

12.25% to 18.00%  
This APR will vary with the market 
based on the Prime Rate 

13.25% to 18.00% 
This APR will vary with the marked 
baset on the Prime Rate 

APR for Cash 
Advances 

11.25% to 17.25% 
This APR will vary with the market 
based on the Prime Rate 1 

12.25% to 18.00% 
This APR will vary with the market 
based on the Prime Rate 1 

13.25% to 18.00% 
This APR will vary with the market 
based on the Prime Rate 1 

Penalty APR and 
When it Applies 

None 

None 

None 

Your due date is at least 25 days 
from 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 and balance transfers 
on the transaction date. 

Your due date is at least 25 days 
from 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 and balance transfers 
on the transaction date. 

Your due date is at least 25 days 
from 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 and balance transfers 
on the transaction date. 

To learn more about factors to 
consider when applying for or using 
a credit card, visit the website of 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. 

To learn more about factors to 
consider when applying for or using 
a credit card, visit the website of the 
Consumer Financial Protection 
Bureau. 

Exchange Rate plus 1% of 
transaction 

Exchange Rate plus 1% of 
transaction 

Exchange Rate plus 1% of 
transaction 

Paying Interest 

For Credit Card 
Tips from the 
Consumer 
Financial 
Protection 
Bureau 

Fees 

Transaction Fees 
Foreign 
Transaction 

up to $29 

Penalty Fees Late 
Payment 
How We Will Calculate Your Balance: We use a method called “average daily balance” (including purchases, cash advances and 
balance transfers). See the Variable Rate Credit Card Agreement and Truth-in-Lending Disclosure for more details. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in the Variable Rate 
Credit Card Agreement and Truth-in-Lending Disclosure. 
Your new credit card has a variable rate. Additional rate information is as follows: 

up to $29 

up to $29 

 
  
 
 
 
 
 
 
MONTHLY PERIODIC RATE FOR APR SHOWN 
ABOVE FOR PURCHASES, CASH ADVANCES, 
AND BALANCE TRANSFERS 

Visa Platinum 

Point Rewards Visa 
Platinum 

Cash Rewards Visa 
Platinum 

0.9375% TO 1.4375% 

1.0208% TO 1.5000% 

1.1041% TO 1.5000% 

MARGIN 
The Annual Percentage rate and monthly periodic rate above is in effect until the next monthly change. Refer to your Variable Rate 
Credit card Agreement and Truth-in-Lending Disclosure for more information regarding your variable rate. 

10.00% TO 16.00% 

8.00% TO 14.00% 

9.00% TO 15.00%