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Personal Credit Card

Purchase just about anything you can imagine. Get global buying power from your

homegrown bank.

Visa® Gold

Interest Rates and Interest Charges for Visa Gold Credit Card

Visa® Gold

10.99%  Fixed

10.99%  Fixed

10.99%  Fixed

Interest

Rates and

Interest

Charges

Annual

Percentage

Rate (APR)

for

Purchases

APR for

Balance

Transfers

APR for

Cash

Advances

Penalty APR

None

and When it

Applies

Paying

Interest

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. We will

begin charging interest on cash advances and/or balance

transfers on the transaction date.

Minimum

None

Interest

Charge

Visa® Gold

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.

Interest

Rates and

Interest

Charges

For Credit

Card Tips

from the

Consumer

Financial

Protection

Bureau

Fees for Visa Gold Credit Card

Fees

Visa® Gold

Annual Fee

None

Transaction Fees

Balance

Transfer

Cash

Advance

Foreign

Transaction

2.0% of the amount transferred

· 2.0% of the amount advanced ($2.00 minimum)
· 1.0% of each multi-currency transaction in U.S.
·

Dollars or 0.80% of each single-currency
transaction in U.S. Dollars

·
·
·

·
·
·

·

Penalty Fees

Late
Payment

Over-the-

Credit

Limit

Returned

Payment

Up to $25.00

· None
· None
·

Other Fees

Telephone

Payment

$10.00

·

 
 
 
How We Will Calculate Your Balance

We use a method called "average daily balance" (including new purchases).  An explanation of this

method is provided in your credit card agreement.

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in

your credit card agreement.

Daily Periodic Rate:

The daily periodic rate used to calculate interest for your account is 0.03011% which is calculated by

dividing the APR by 365.

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