BayPort Credit Union 
3711 Huntington Avenue 
Newport News, VA. 23607 

MasterCard  Platinum  Preferred,  MasterCard  Platinum  Rewards, MasterCard  Platinum  Cash  Back,  and MasterCard 
Platinum Secured Credit Cards Application and Solicitation Disclosure. Please keep this with all your loan documents. 
Annual Percentage Rates and other related information for each card is shown below. 

Interest Rates and Interest Charges 
Annual Percentage Rates 
(APR) for Purchases 

MasterCard Platinum Preferred 

7.99%  -  17.49%  when  you  open  your  account,  based  on  your 
creditworthiness. 

MasterCard Platinum Rewards 

8.49%  -  17.99%  when  you  open  your  account,  based  on  your 
creditworthiness. 

MasterCard Platinum Cash Back 

8.99%  -  18.49%  when  you  open  your  account,  based  on  your 
creditworthiness. 

After that your APR will vary with the market based on the Prime Rate. 

MasterCard Platinum Secured 

14.99% when you open your account.   

APR for Balance Transfer 

*3.99%  Introductory  rate  good  for  12  months  from  new  account  opening.  
Balance  transfers  must  be  processed  within  30  days  of  account  opening  to 
qualify for the introductory rate.   

MasterCard Platinum Preferred 

7.99% - 17.49% This APR will vary based on the Prime Rate.   

MasterCard Platinum Rewards 

8.49% - 17.99% This APR will vary based on the Prime Rate.   

MasterCard Platinum Cash Back 

8.99% - 18.49% This APR will vary based on the Prime Rate.   

MasterCard Platinum Secured 

14.99% when you open your account.   

APR for Cash Advances 

MasterCard Platinum Preferred 

7.99% - 17.49% This APR will vary based on the Prime Rate.   

MasterCard Platinum Rewards 

8.49% - 17.99% This APR will vary based on the Prime Rate.   

MasterCard Platinum Cash Back 

8.99% - 18.49% This APR will vary based on the Prime Rate.   

MasterCard Platinum Secured 

14.99% when you open your account.   

Penalty APR and When it Applies  None 
Paying  Interest  -  applicable  to  all 
of  the  above  mentioned  credit 
cards 

Interest  Charge 

Minimum 
– 
applicable  to  all  of  the  above 
mentioned credit cards 
For  Credit  Card  Tips  from  the 
Consumer  Financial  Protection 
Bureau 

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  the  entire  balance  by  the  due 
date  of  each  month.  We  will  begin  charging  interest  on  cash  advances  and 
balance transfers on the date of the transaction. 
None 

To learn more about factors to consider when applying for or using a credit card, 
visit 
the  Consumer  Financial  Protection  Bureau  at 
http://www.consumerfinance.gov/learnmore 

the  website  of 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                                                  
 
 
 
 
 Fees - Applicable to all of the credit cards listed in this disclosure 
Annual Fee 
Transaction Fees 

None 

Balance Transfer Fee 

Cash Advance Fee 

Foreign Transactions 
Penalty Fees 

None 

None 

1.10% of each transaction in U. S. dollars. 

Over the limit fee 

None 

Late Payment fee 

Return Payment fee 

Other Fees  

Up  to  $20.00  fee  assessed  if  payment  is  not  received  5  days  after  statement 
closing. 

Up  to  $20.00  Non-sufficient  funds  or  items  returned  for  uncollected  funds, 
regardless of reason. 

Card Replacement Fee   

$5.00  

Applies 
Secured Card Only 

to  MasterCard  Platinum 

$20.00 fee when account is closed within 60 days of opening date. 

How we calculated your balance: We use a method called “average daily balance (including new purchases).” See your 
account agreement for more details. 

*Loss  of  Introductory  APR  on  Balance  Transfers:  If  your  minimum  monthly  payment  is  not  received  by  the  statement 
closing  date,  the  APR  for  balance  transfers  will  revert  back  to  the  standard  APR.    Offer  not  valid  on  existing  accounts  or 
accounts associated with existing accounts and cannot be combined with any other offer.  Transfer may not include BayPort 
loan balance.   

Variable Rate Information: Your APR may vary on a MasterCard Platinum Preferred, MasterCard Platinum Rewards, and 
MasterCard Platinum Cash Back Credit Card.  Rates are determined and adjusted annually by adding a margin to the Prime 
Rate published in the Wall Street Journal on the first business day of July.  The margin will range from 4.74% to 15.24%.   

Effective Date:   The information about costs of the card described in this application is accurate as of May 16, 2016. This 
information  may  have  changed  after  that  date.  To  find  out  what  may  have  changed,  contact  the  credit  union  at  757-928-
8850 or 1-800-928-8801.