Reliant Community Federal Credit Union 
Visa Platinum Credit Card 
as of February 15, 2020

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate  
(APR) for Purchases

APR for Balance Transfers

APR for Cash Advances

How to Avoid Paying  
Interest on Purchases:

9.00%, 10.00%, 12.00%, 15.00%, or 18.00%
Variable APR  is  determined  by  an  Index  plus  a  Margin.  The  Index  is  the  highest  Prime  Rate  
published in The Wall Street Journal on the last business day of the month preceding the current 
calendar  quarter. The  Margin  is  4.25%,  5.25%,  7.25%,  10.25%  or  13.25%  depending  on  a  six-
month review of your credit history. Your variable rate will not exceed 18% APR.
0% new account introductory rate for 12 months after account is open for all purchases.

9.00%, 10.00%, 12.00%, 15.00%, or 18.00%
Variable APR is determined by an Index plus a Margin. The Index is the highest Prime Rate published 
in The Wall Street Journal on the last business day of the month preceding the current calendar quarter. 
The Margin is 4.25%, 5.25%, 7.25%, 10.25% or 13.25% depending on a six-month review of your 
credit history. Your variable rate will not exceed 18% APR.
0% new account introductory rate for 12 months after account is open for all balance transfers.

9.00%, 10.00%, 12.00%, 15.00%, or 18.00%
Variable APR is determined by an Index plus a Margin. The Index is the highest Prime Rate published 
in The Wall Street Journal on the last business day of the month preceding the current calendar quarter. 
The Margin is 4.25%, 5.25%, 7.25%, 10.25% or 13.25% depending on a six-month review of your 
credit history. Your variable rate will not exceed 18% APR. Convenience checks are considered cash 
advances.
0% new account introductory rate for 12 months after account is open for all cash advances.

If you pay the Total New Balance for purchases by the payment due date on your last statement, 
or if you did not have a purchase balance on your last statement.  Your due date is at least 25 days 
after the close of each billing cycle.
We will begin charging interest on cash advances, convenience checks, and balance transfers on 
the transaction date.

Minimum Finance Charge

$0

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau
FEES
Annual Fee

Transaction Fees
    Balance Transfer
    Cash Advance
    Foreign Transaction

Penalty Fees
    Late Payment
    Returned Check 
    Insufficient Funds
    Over-the-Limit

Other Fees
    Rushed Card 

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.

$0

$0
$0
$0

Lesser of amount of minimum payment due or $25
$20 per check
$30
$0

$20

How We Will Calculate Your Balance: The Finance Charge is calculated on the Average Daily Balance including new transactions.
Billing Rights:  See Visa Plan Agreement for details.

Military Lending Act Disclosures
Federal law provides protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.  In 
general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage 
rate of 36 percent.  This rate must include, as applicable to the credit transaction or account:  The costs associated with credit insurance 
premiums; fees for ancillary products sold in connection with the credit transaction; any application fee (other than certain application 
fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit 
card account).
Please call us at (800)724-9282 to receive oral disclosures of the Military Lending Act disclosure above and a description of the 
payment obligation.