Important Disclosure Information 
Travis Credit Union Credit Cards 
MasterCard® or VISA® Credit Card  

Interest Rates and Interest Charges 

V 

Platinum Rewards  
VISA 

MasterCard 
 Gold 

Share-
Secured/Credit 
Builder Classic 
VISA 

Classic 
 VISA 

Annual Percentage 
Rate (APR) for 
purchases* 

Cash 
Advance  APR* 

Balance 
Transfer  APR* 

5.99% 
introductory APR for 
12 months. After that, 
APR will be 
8.99% to 
15.99% 
5.99% introductory 
APR for 12 months. 
After that, APR will be 
10.99% to 17.99% 

5.99% introductory 
APR for 12 months. 
After that, APR will be 
10.99% to 17.99% 

10.99% to 
15.99% 

15.40%

 16.99% 

12.99% to 
17.99% 

12.99% to 
17.99% 

17.40% 

18.99% 

17.40% 

18.99% 

Penalty Rate 

None 

How to Avoid Paying Interest on Purchases 

You have 25 days to repay your balance in full for purchases before a finance change will be 
imposed. 

Method of computing the balance 

Average daily principle balance (including new transactions) 

Minimum Finance Charge 

None2 

Visa Rewards Annual Fee 

Visa: $25.00 3    

Fees 

Transaction Fees 
  Balance Transfer 

  Cash Advance 
  Foreign Transaction 

Penalty Fees 

  Late Payment 
    Returned Payment 

Card Replacement Fee 

5.99% Intro rate: None for the first 12 months; 
All other cards: None for the first 90 days; after that time, the fee will be 2% of the amount transferred 
not to exceed $25.00 
$5.00 each advance. 
1% of the U.S. dollar amount of the transaction whether made in U.S. dollars or converted from a foreign 
currency.4 

$15.00 5 
$15.00 

$5.00 

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 

*Final product and APR will be determined based on credit worthiness.  

Loss of Introductory APR: We may end your introductory APR and apply the final APR, which will be determined based on your credit 
worthiness, if you make two late payments during the introductory period. 

When you respond to this credit card offer or sign an application for a credit card with Travis Credit Union, you authorize Travis Credit 
Union to independently verify the information you provided by any lawful means, to exchange credit information about you with others; 
including obtaining information about you from credit or consumer information bureaus and agree that Travis Credit Union may at its 
discretion, from time to time, make inquiries regarding your credit standing through consumer credit bureaus and agree to provide 
financial statements or other evidence to support your income if requested.  

CCDISC 02/16 

   
 
 
 
 
If the account is opened, you will receive a Credit Card Cardholder Agreement and Disclosure Statement with your card. By using the 
card you agree to the terms of the Credit Card Cardholder Agreement and Disclosure Statement. 

      1.  If applying for a share-secured Credit Card, you may be required to pledge up to 100% of the limit approved in a regular share 
account based upon credit worthiness. 

      2.  Although there is no minimum finance charge, there is a minimum payment amount. The minimum monthly payment is the 
greater of 2% of the balance or $20.00. 

      3.  The Annual Rewards fee will be waived for those Visa card holders who opt out of the rewards program. If you opt-out of 
rewards program you may opt back in later, a $25.00 annual rewards fee will apply. 

         I wish to enroll in the Visa rewards program. 

                I wish to opt out of the Visa rewards program. 

                                                   \Ps1\                                                              \Pd1\ 
        ____________________________________________________________________ 
 Account Number                           Member Signature                                               Date 

      4.  Purchases and cash advances made in foreign currencies will be billed in U.S. dollars. The conversion rate in U.S. dollars will be 
either at the government mandated rate or a wholesale currency market rate determined by Visa® or MasterCard International® for the 
processing cycle in which the transaction is processed. The currency conversion rate used by Visa® or MasterCard International® on 
the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. 
The Credit Union has no control over the conversion rate. 

      5.  If the minimum monthly payment is not received within 15 days of the due date, a late charge of $15.00 will be charged to the 
account.  If the minimum payment is less than $15, the late fee will be no more than the amount of the minimum payment. 

This information about credit cards is accurate as of January 22, 2016 and may change after that date. For current information, ask 
your Member Service Representative or call (707) 449-4000 or (800) 877-8328. Credit Card accounts are exclusively for Travis Credit 
Union members. 

This disclosure supplements the Credit Card Agreement and Disclosure Statement. Please keep this disclosure for your records. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card 
Cardholder Agreement and Disclosure. 

CCDISC 02/16