P.O. Box 23267
Washington, D.C. 20026-3267
703.934.8300 | 800.491.2328
Fax: 703.934.8319
www.CongressionalFCU.org

VISA PLATINUM CREDIT CARD ACCOUNT 
OPENING DISCLOSURE

This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. Please keep this 
attached to your LOANLINER® Consumer Credit Card Agreement.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

APR for Cash Advances

APR for Balance Transfers

Paying Interest

For Credit Card Tips from the Federal Reserve Board

Fees
Annual Fee
• Standard non-rewards
• Rewards

Transaction Fees
• Foreign Transaction Fee

Penalty Fees
• Late Payment Fee
• Returned Payment Fee

4.90% Introductory APR for the first six (6) months. When 
the discounted period expires, the APR on existing balances 
will increase to the new non-discount rate on the first day of the 
billing cycle.

After that your APR will be 8.50%.
8.50%

8.50%

Your due date is at least 21 days after the close of each billing 
cycle. We do not charge you 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 web site of the Federal Reserve 
Board at http://www.federalreserve.gov/creditcard.

None
$48

2.00% of each transaction in U.S. dollars

Up to $25.00
Up to $ .00

25

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See your account 
Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
Agreement.

Other Disclosures
    Late Payment Fee 
    Returned Payment Fee   
    Card Replacement Fee   
    Stop Payment Fee 
    Visa Check Return Fee   

$25.00 or the amount of the required minimum payment, whichever is less.
$25.00 or the amount of the required minimum payment, whichever is less.
$5.00
$30.00
$30.00

Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including reasonable attorney’s 
fees not in excess of 15.00% of the unpaid debt and all court costs.

Periodic Rates. 
The Purchase APR is 8.50% which is a daily periodic rate of 0.0233%. 
The Introductory Purchase APR is 4.90% which is a daily periodic rate of 0.0134%. 
The Cash Advance APR is 8.50% which is a daily periodic rate of 0.0233%. 

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