APPLICATION AND
SOLICITATION
DISCLOSURE

PLATINUM  MASTERCARD / SECURED 
MASTERCARD / PLATINUM REWARDS MASTERCARD / 
UTA REWARDS MASTERCARD / UTA BLAZE MASTERCARD

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Platinum Mastercard

 Introductory APR for a period of six billing cycles.

After that, your APR will be
creditworthiness.

Secured Mastercard

 to

, based on your

Platinum Rewards Mastercard
 to

, based on your creditworthiness.

UTA Rewards Mastercard
 to

UTA Blaze Mastercard

 to

, based on your creditworthiness.

, based on your creditworthiness.

APR for Balance Transfers

Platinum Mastercard

 or
cycles, based on your creditworthiness.

,

 Introductory APR for a period of six billing

After that, your APR will be
creditworthiness.

Secured Mastercard

 to

, based on your

Platinum Rewards Mastercard

 to

, based on your creditworthiness.

UTA Rewards Mastercard

 to

, based on your creditworthiness.

UTA Blaze Mastercard

 to

, based on your creditworthiness.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04219677-MXC10-P-1-022519 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

0.00%8.90%17.90%11.90%12.90%17.90%12.90%17.90%8.90%17.90%4.90%7.90%9.90%8.90%17.90%11.90%12.90%17.90%12.90%17.90%8.90%17.90%APR for Cash Advances

Platinum Mastercard

 or
cycles, based on your creditworthiness.

,

 Introductory APR for a period of six billing

After that, your APR will be
creditworthiness.

Secured Mastercard

to

, based on your

Platinum Rewards Mastercard

to

, based on your creditworthiness.

UTA Rewards Mastercard

to

, based on your creditworthiness.

UTA Blaze Mastercard

to

, based on your creditworthiness.

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

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.

Fees
Annual Fee
- Annual Fee - Platinum Mastercard,
Platinum Rewards Mastercard , UTA
Rewards Mastercard
- Annual Fee - Secured Mastercard
- Annual Fee - UTA Blaze Mastercard

None

$30.00
$50.00

Transaction Fees
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

2.00% of each transaction in U.S. dollars completed outside the U.S.
2.00% of each transaction in U.S. dollars completed in a foreign currency

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR - Platinum Mastercard:
The Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your
account during the first six months following the opening of your account. Any existing balances on Texas Trust Credit
Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Loss of Introductory APR:
We may end your Introductory APR for purchases, balance transfers and cash advances and apply the prevailing non-
introductory APR if you are 60 days late in making a payment.

Effective Date:
The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Platinum Mastercard, Secured Mastercard, Platinum Rewards Mastercard , UTA
Rewards Mastercard and UTA Blaze Mastercard are secured credit cards. Credit extended under this credit card
account is secured by various personal property and money including, but not limited to: (a) any goods you

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04219677-MXC10-P-1-022519 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

4.90%7.90%9.90%8.90%17.90%11.90%12.90%17.90%12.90%17.90%8.90%17.90%February 26, 2019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:
$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a
payment.

Annual Fee - Secured Mastercard:
$30.00.

Annual Fee - UTA Blaze Mastercard:
$50.00.

Returned Payment Fee:
$25.00 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.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04219677-MXC10-P-1-022519 (MXC101-E)