APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

 Introductory APR, for Qualifying Purchases, for a period of

 billing cycles.

After that, your APR will be
based on the Prime Rate.

. This APR will vary with the market

APR for Balance Transfers

APR for Cash Advances

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

This APR will vary with the market based on the Prime Rate.

This APR will vary with the market based on the Prime Rate.

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.

Fees
Annual Fee
- Annual Fee

None

None
$5.00 or 3.00% of the amount of each cash advance, whichever is greater
1.00% of each transaction in U.S. dollars
None

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Qualifying Purchases: Any purchase made during a promotional period at a merchant identified on Community Choice
Credit Union’s approved merchant list will qualify for the introductory APR. This approved merchant list is provided to You
along with the Account Opening Disclosure at Account Opening. You will need to pay the entire balance within
months to avoid any interest being assessed against the remaining balance.
Effective Date: The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Up to $15.00
Up to $28.00

Other Fees & Disclosures:
Late Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days
late in making a payment.
Cash Advance Fee (Finance Charge): $5.00 or 3.00% of the amount of each cash advance, whichever is greater.
Returned Payment Fee: $28.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee: $5.00.
Emergency Card Replacement Fee: None.
Rush Fee: $30.00.
Statement Copy Fee: $5.00.
Design Your Own Card Fee: $10.00 per card.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01402665-MXC10-C-2-041519 (MXC101-E)