4/7/2020



Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union

Community Home / Events

In This Section    

+

Disclosure Information for Visa
Platinum, Visa Platinum Rewards, & Visa
Signature

Credit Card Rates Eﬀective December 1, 2019

Visa® Platinum

Visa Platinum Rewards

Visa Signature

Interest
Rates and
Interest
Charges

Annual

https://www.hvcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

11 25% to

12 25% to

13 25% to

1/6

4/7/2020

Annual
Percentage
Rate (APR)
for
Purchases

Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union

11.25% to
15.50%
This APR will vary with
the market based on the
Prime Rate

12.25% to
16.50%
This APR will vary with
the market based on the
Prime Rate

13.25% to
13.50%
This APR will vary with
the market based on t
Prime Rate

APR for
Balance
Transfers

11.25% to 15.50% 
This APR will vary with
the market based on the
Prime Rate

12.25% to 16.50% 
This APR will vary with
the market based on the
Prime Rate

13.25% to 13.50% 
This APR will vary with
the market based on t
Prime Rate

APR for
Cash
Advances

11.25% to 15.50% 
This APR will vary with
the market based on the
Prime Rate

12.25% to 16.50% 
This APR will vary with
the market based on the
Prime Rate

13.25% to 13.50% 
This APR will vary with
the market based on t
Prime Rate

Penalty

None

None

https://www.hvcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

None

2/6

4/7/2020

Penalty
APR and
When it
Applies

Paying
Interest

None

None

Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union

None

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 your entire
balance by the due date
each month. We will
begin charging interest
on cash advances and
balance transfers on the
transaction date.

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 your entire
balance by the due date
each month. We will
begin charging interest
on cash advances and
balance transfers on the
transaction date.

Your due date is at lea
25 days after the close
each billing cycle. We 
not charge you any
interest on purchases 
you pay your entire
balance by the due da
each month. We will
begin charging intere
on cash advances and
balance transfers on th
transaction date.

For Credit

To learn more about

To learn more about

To learn more about

https://www.hvcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

3/6

Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union

o  ea   o e about
factors to consider when
applying for or using a
credit card, visit the
website of the Consumer
Financial Protection
Bureau at

o  ea   o e about
factors to consider when
applying for or using a
credit card, visit the
website of the Consumer
Financial Protection
Bureau at

o  ea   o e about
factors to consider wh
applying for or using a
credit card, visit the
website of the Consum
Financial Protection
Bureau at

www.consumerﬁnance.gov/learnmore.

www.consumerﬁnance.gov/learnmore.

www.consumerﬁnance.gov/learn

4/7/2020

For Credit
Card Tips
from the
Consumer
Financial
Protection
Bureau

Fees

Annual Fee N/A

N/A

$49 (waived the ﬁrst y

Transaction
Fees

Cash
Advance

2% of advance amount

2% of advance amount

2% of advance amoun

Foreign

Exchange Rate plus 1% of Exchange Rate plus 1% of Exchange Rate

https://www.hvcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

4/6

 
 
 
Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union

Exchange Rate plus 1% of
transaction

Exchange Rate plus 1% of
transaction

c a ge  ate

up to $29

up to $29

up to $29

4/7/2020

o e g
Transaction

Penalty
Fees
Late
Payment

How We Will Calculate Your Balance: We use a method called “average daily balance”
(including new purchases, cash advances and balance transfers). See the Variable Rate Credit
Card Agreement and Truth in Lending Disclosure for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those
rights are provided in the Variable Rate Credit Card Agreement and Truth in Lending
Disclosure.

Your new credit card has a variable rate. Additional rate information is as follows:

https://www.hvcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

5/6

Visa Platinum

Visa Platinum

Visa Signature

 
4/7/2020

Visa Platinum, Visa Platinum Rewards, & Visa Signature Disclosure Information | Hudson Valley Credit Union

g

Rewards

1.020% to 1.375%

0.9375% to 1.2916% 1.1041% to 1.125%

MONTHLY PERIODIC
RATE FOR APR
SHOWN ABOVE FOR
PURCHASES, CASH
ADVANCES, AND
BALANCE
TRANSFERS

MARGIN

8.00% TO 12.25%

9.00% TO 13.25%

10.00% TO 10.25%

The Annual Percentage rate and monthly periodic rate above is in eﬀect until the next
monthly change. Refer to your Variable Rate Credit card Agreement and Truth in Lending
Disclosure for more information regarding your variable rate.

https://www.hvcu.org/Personal/Credit-Card/Disclosure-Information-for-Visa-Platinum-and-Visa

6/6