PO Box 1000 
   Lakeland FL 33802 

Interest Rates and Interest Charges 

ANNUAL PERCENTAGE RATE (APR)                 
for Purchases 

Visa Platinum Preferred – 9.9%, 10.5%, 10.9% non-variable. 
The rates vary depending on the type of card you qualify for based 
on your creditworthiness when you open your account. 

ANNUAL PERCENTAGE RATE (APR)                  
for Balance Transfers 

Visa Platinum Preferred – 9.9%, 10.5%, 10.9% non-variable. 
The rates vary depending on the type of card you qualify for based 
on your creditworthiness when you open your account. 

ANNUAL PERCENTAGE RATE (APR)                         
for Cash Advances 

Visa Platinum Preferred – 9.9%, 10.5%, 10.9% non-variable. 
The rates vary depending on the type of card you qualify for based 
on your creditworthiness when you open 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 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 

Set-Up and Maintenance Fees                                 
Annual Fees                                                                              
Lost Card Replacement 

None                                                                                                                                         
$10.00 

Transaction Fees                                                                                                                                          

Up to 1% of transaction amount on foreign transactions. 

Penalty Fees                                                        
Late Payment                                                          
Return Payment 

up to $20.00                                                                                                                
up to $25.00 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases)”.  There is no grace period for cash advances.