Charlotte Metro
CREDIT UNION
718 Central Ave | Charlotte, NC 28204
APPLICATION AND
SOLICITATION DISCLOSURE
V/SA
VISA PLATINUM/PLATINUM REWARDS
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	Visa Platinum 0.00% Introductory APR for six months from account opening. After that, your APR will be 8.90%	tO 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa platinum Rewards 0.00% Introductory APR for six months from account opening. After that, your APR will be 10.90% tO 13.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	Visa Platinum 0.00% Introductory APR for six months from account opening. After that, your APR will be 8.90% to 17.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa platinum Rewards 0.00% Introductory APR for six months from account opening. After that, your APR will be 10.90% to 13.95%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	Visa Platinum 15.95% to 17.95%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa platinum Rewards 15.95% This APR will vary with the market based on the Prime Rate.
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© CUNA Mutual Group 2009,10,12,16 All Rights Reserved
SEE NEXT PAGE for more important information about your account.
03202928-MXC10C-1-090517 (MXC101 -E)
Penalty APR and When it Applies	Visa Platinum 17.95% Visa platinum Rewards 17.95% This APR may be applied to 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 six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	Your due date is at least 28 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.
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	
Annual Fee - Annual Fee	None
Transaction Fees -	Balance Transfer Fee -	Cash Advance Fee -	Foreign Transaction Fee	None None 1.00% of each transaction in U.S. dollars
Penalty Fees -	Late Payment Fee -	Returned Payment Fee	Up to $25.00 Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average dally balance (including new purchases)."
Loss of Introductory APR:
We may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are one day late in making a payment.
Application of Penalty APR:
Your APR may be increased to the disclosed PenaltyAPR if you are 60 days late in making a payment.
Effective Date:
The information about the costs of the card described in this application is accurate as of: February 1, 2018 This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Platinum and Visa platinum Rewards 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.
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© CUNA Mutual Group 2009,10,12,16 All Rights Reserved
SEE NEXT PAGE for more important information about your account.
03202928-MXC10C-1-090517 (MXC101 -E)
Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are six or more days late in making a
payment.
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee:
$25.00 or the amount of the returned convenience check, whichever is less.
Card Replacement Fee:
$7.00.
Rush Fee:
$50.00.
Statement Copy Fee:
$5.00.
03202928-MXC10-C-1-090517(MXC101-E)
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© CUNA Mutual Group 2009,10,12,16 All Rights Reserved