APPLICATION AND 
SOLICITATION
DISCLOSURE

VISA PLATINUM/VISA PLATINUM REWARDS 
VISA PLATINUM CASH REBATE 

Visa Platinum
5.75%
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

, when you open your account, based on your 

12.50%

 to 

Visa Platinum Rewards
6.25%
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

, when you open your account, based on your 

13.00%

 to 

Visa Platinum Cash Rebate
15.00%
8.25%
 to 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

, when you open your account, based on your 

Visa Platinum
5.75%
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

, when you open your account, based on your 

12.50%

 to 

Visa Platinum Rewards
6.25%
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

, when you open your account, based on your 

13.00%

 to 

 to 

, when you open your account, based on your 

Visa Platinum Cash Rebate
15.00%
8.25%
creditworthiness. This APR will vary with the market based on the Prime 
Rate.
Visa Platinum 
5.75%
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

, when you open your account, based on your 

12.50%

to

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases

APR for Balance Transfers 

APR for Cash Advances 

Visa Platinum Rewards 
6.25%
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

, when you open your account, based on your 

13.00%

to

Visa Platinum Cash Rebate 
15.00%
8.25%
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

, when you open your account, based on your 

to

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

13001067-MXC10-C-1-051019 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

How to Avoid Paying Interest on 
Purchases

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. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips from 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 at http://www.consumerfinance.gov/learnmore. 

Fees
Transaction Fees 
- Cash Advance Fee 
- Foreign Transaction Fee 
Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

$3.00 or 1.00% of the amount of each cash advance, whichever is greater 
None

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Minimum Interest Charge: 
The minimum interest charge will be charged on any dollar amount. 

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. 

May 1, 2020

For California Borrowers, the Visa Platinum, Visa Platinum Rewards and Visa Platinum Cash Rebate are secured 
credit cards. Credit extended under this credit card account is secured by various personal property and money 
including,  but  not  limited  to:  (a)  any  goods  you  purchase  with  this  account,  (b)  any  shares  you  specifically 
pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or 
joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account 
that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have 
with  the  Credit  Union  excluding  dwellings.  Notwithstanding  the  foregoing,  you  acknowledge  and  agree  that 
during  any  periods  when  you  are  a  covered  borrower  under  the  Military  Lending  Act  your  credit  card  will  be 
secured  by  any  specific  Pledge  of  Shares  you  grant  us  but  will  not  be  secured  by  all  shares  you  have  in  any 
individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you 
establish  your  credit  card  account  when  you  are  not  a  covered  borrower;  or  (ii)  you  cease  to  be  a  covered 
borrower.

Other Fees & Disclosures: 
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a 
payment.

Cash Advance Fee (Finance Charge): 
$3.00 or 1.00% of the amount of each cash advance, whichever is greater. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$10.00. 

Document Copy Fee: 
$2.50. 

Statement Copy Fee: 
$2.50. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

13001067-MXC10-C-1-051019 (MXC101-E)