APPLICATION AND 
SOLICITATION 
DISCLOSURE  

VISA PLATINUM 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

How to Avoid Paying Interest on 
Purchases  

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Transaction Fees 
- Foreign Transaction Fee 
Penalty Fees 
- Late Payment Fee  
- Returned Payment Fee 

8.25%, 11.25% or 15.25%, when you open your account,
based on your creditworthiness. This APR will vary with the market based 
on the Prime Rate. 

11.25%, 15.25% or 18.00%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
11.25%, 15.25% or 18.00%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
18.00% 

This APR may be applied to your account if you: 
- Make a late payment
- Make a payment that is returned

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 
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.   

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. 

3.00% of each transaction in U.S. dollars 

Up to $27.00 
Up to $27.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Application of Penalty APR: 
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment or make a payment 
that is returned.  If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive 
minimum payments when due. 

Effective Date: 
The information about the costs of the card described in this application is accurate as of: October 3, 2017 This 
information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For  California  Borrowers,  the  VISA  Platinum    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 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02105204-MXC10-C-1-062117 (MXC101-E)

   
  
   
   
 
 
 
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: 
Up to $27.00 or the amount of the required minimum payment, whichever is less, if your payment has not been received 
by the third calendar day of the month following the date that your payment is due. 

Returned Payment Fee: 
Up to $27.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$7.00.  

Document Copy Fee: 
$5.00.  

Emergency Card Replacement Fee: 
$85.00.  

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02105204-MXC10-C-1-062117 (MXC101-E)