9/26/2019

Visa® Application and Solicitation Disclosure - Stanford Federal Credit Union

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®

Visa  Application and Solicitation
Disclosure

PLATINUM CASH BACK
SECURED VISA
STANFORD ALUMNI REWARDS VISA
®
STANFORD ATHLETICS  FAN REWARDS VISA

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Purchases Platinum Cash Back Visa

11.24% to 17.99%, when you open your account, based
on your creditworthiness. This APR will vary with the
market based on the Prime Rate.

Secured Visa
17.99%

Stanford Alumni Rewards Visa/Stanford Athletics®
Fan Rewards Visa
12.24% to 17.99%, when you open your account, based
on your creditworthiness. This APR will vary with the
market based on the Prime Rate.

https://www.sfcu.org/visa-agreement-disclosure-statement/

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9/26/2019

Visa® Application and Solicitation Disclosure - Stanford Federal Credit Union

APR for Balance Transfers

APR for Cash Advances

How to Avoid Paying Interest on Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Platinum Cash Back Visa
11.24% to 17.99%, when you open your account, based
on your creditworthiness. This APR will vary with the
market based on the Prime Rate.

Secured Visa
17.99%

Stanford Alumni Rewards Visa/Stanford Athletics®
Fan Rewards Visa
1.99% Introductory APR for six months from account
opening.

After that, your APR will be 12.24% to 18.00%, based
on your creditworthiness. This APR will vary with the
market based on the Prime Rate.

Platinum Cash Back Visa
11.24% to 17.99%, when you open your account, based
on your creditworthiness. This APR will vary with the
market based on the Prime Rate.

Secured Visa
17.99%

Stanford Alumni Rewards Visa/Stanford Athletics®
Fan Rewards Visa
12.24% to 17.99%, when you open your account, based
on your creditworthiness. This APR will vary with the
market based on the Prime Rate.

Your due date is at least 25 days after the close of
each billing cycle. We do not charge you interest on
Purchases if you pay your entire balance by the due
date each month. We will begin charging interest on
Cash Advances and Balance Transfers on the
transaction date. This excludes our Classic Secured
Visa.

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
(http://www.consumerfinance.gov/learnmore)

Fees

https://www.sfcu.org/visa-agreement-disclosure-statement/

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9/26/2019

Visa® Application and Solicitation Disclosure - Stanford Federal Credit Union

Annual Fees

Transaction Fees

Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee

Penalty Fees

None

None
None
None

Late Payment Fee
Returned Convenience Check Fee
Return Payment Fee

Up to $7.00
Up to $25.00
Up to $20.00

How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases).”

Promotional Period for Introductory APR – Stanford Alumni Rewards Visa/Stanford Athletics
Fan Rewards Visa: The Introductory APR for balance transfers will apply to transactions posted to
your account during the first 60 days following the opening of your account. Any existing balances on
Stanford Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for
balance transfers.

®

Effective Date:
The information about the costs of the card described in this application is accurate as of: 03/1/2019
This information may have changed after that date. To find out what may have changed, contact the
Credit Union at 888.723.7328.

For California Borrowers, the Secured Visa is a secured credit card. 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:
$7.00 or the amount of the required minimum payment, whichever is less, if you are five or more days
late in making a payment.

https://www.sfcu.org/visa-agreement-disclosure-statement/

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9/26/2019

Visa® Application and Solicitation Disclosure - Stanford Federal Credit Union

Over-the-Credit Limit Fee:
$25.00 or the amount of the transaction exceeding your approved credit limit, whichever is less.

Returned Payment Fee:
$20.00 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.

Document Copy Fee:
$12.00.

Rush Fee:
$45.00.

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9/26/2019

Visa® Application and Solicitation Disclosure - Stanford Federal Credit Union

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9/26/2019

Visa® Application and Solicitation Disclosure - Stanford Federal Credit Union

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