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V

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate
(APR) for purchases

APR for Balance Transfers

APR for Cash Advances

How to Avoid Paying
Interest on Purchases

Introductory Rate 2.99% for the ﬁrst 6 billing cycles
13.90%  or  9.90%
after the ﬁrst 6 billing cycles
based on your credit worthiness 

2.99%  for the ﬁrst 12 billing cycles
13.90%  or  9.90%
based on your credit worthiness 

after the ﬁrst 12 billing cycles

13.90%  or  9.90%
based on your credit worthiness 

Your due date is 25 days after the close of each billing cycle. We will 
not charge 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.

For Credit Card Tips from the
Consumer Financial Protection Bureau 

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.

Transaction Fees

PeoplesChoice Visa does not charge any transaction fees.

Foreign Transactions

PeoplesChoice does not charge any international transaction fees or
pass any VISA® international transaction fees along to the cardholder.
Please refer to Section 11, Foreign Transactions, in the agreement for more information.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

The information about the cost of the card described on this application was printed on October 1, 2020 and was accurate as of that date, but is subject to change after that date. 

You should call the credit union at 1-877-785-6328 (toll-free) or write to: PeoplesChoice Credit Union, 23 Industrial Park Road, Saco, ME 04072 for any changes in the information 
about the cost of the card since the time of printing.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Loss of Introductory APR: We may end your introductory APR and apply the current APR if your payment is more than 60 days past the payment due date or your account exceeds it's 
credit limit two consecutive months or you close your account.