1025 Virginia Avenue 
Atlanta, GA 30354-1319 

Interest Rates and Interest Charges 

CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE 

Annual Percentage 
Rate 
(APR) for Purchases 

APR for Balance 
Transfers 

APR for Cash 
Advances 

Penalty APR and 
When it Applies 

Visa Platinum Rewards  

10.50% to 14.50%, based on your 
creditworthiness 
Your APR will vary with the market based on 
the Prime Rate 
10.50% to 14.50%, based on your 
creditworthiness  
This APR will vary with the market based on the 
Prime Rate 
10.50% to 14.50%, based on your 
creditworthiness 
This APR will vary with the market based on the 
Prime Rate 
15.50% to 19.50%, based on your 
creditworthiness 
This APR will vary with the market based on the 
Prime Rate 

This APR may be applied to the entire balance 
on your account if you: 
-  Make a late payment 

Visa Young Adult 

13.80%  

13.80% 

13.80% 

18.80% 

This APR may be applied to the 
entire balance on your account if 
you: 
-  Make a late payment 

How Long Will the Penalty APR 
Apply? If Your APRs are increased 
for this reason, the Penalty APR will 
apply until you make at least six (6) 
minimum payments by the 
payment due date as shown in your 
monthly statement. 

How Long Will the Penalty APR Apply? If Your 
APRs are increased for this reason, the Penalty 
APR will apply until you make at least six (6) 
minimum payments by the payment due date 
as shown in your monthly statement. 
Your due date is at least 25 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. 
None 

None 

Paying Interest 

Minimum Interest 
Charge 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 
Fees 
Annual Fee 
Transaction Fees 
-  Cash Advance  
-  Foreign 

Transaction Fee 

To learn more about factors to consider when applying for or using a credit card, visit 
the Web site of the Consumer Financial Protection Bureau 
at http://www.consumerfinance.gov/learnmore   

None 

None 

$3.00 
1.00% of each multiple currency transaction in 
U.S. dollars 
0.80% of each single currency transaction in 
U.S. dollars 

$3.00 
1.00% of each multiple currency 
transaction in U.S. dollars 
0.80% of each single currency 
transaction in U.S. dollars 

Penalty Fees 
- 
-  Over-the-Credit 

Late Payment Fee 

Limit Fee 
-  Returned 

Payment Fee 

Up to $25.00 
None 

Up to $25.00 

Up to $25.00 
None 

Up to $25.00 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases).” 

Effective Date: The information about the costs of the card described in this disclosure is accurate as of  
April 10, 2017. This information may have changed after that date.  For more information please contact us at 
1-800-554-3328. 

OTHER DISCLOSURES 

Late Payment Fee - 

Returned Payment Fee - 

Statement Copy Fee -                
Document Copy Fee -  
Rush Fee - 

Stop Payment Fee - 
Convenience Checks Fee - 
Payment Holiday Fee -  

$25.00 or the amount of the required minimum payment, whichever is less, 
if you are ten (10) or more days late in making a payment. 
$25.00 or the amount of the required minimum payment, whichever is less. 
Returned payment fees are assessed for both returned checks and for 
returned auto transfer payments that are NSF on the due date. 
$3.00 
$6.00 
$15.00 Weekday 
$30.00 Saturday 
$15.00 
$3.00 
$0.00