INTEREST RATES AND INTEREST CHARGES |
|
| Annual Percentage Rate (APR) for Purchases and Balance Transfers |
8.75% - 17.00% based on |
| Annual Percentage Rate (APR) for Cash Advances |
17.50% |
| How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month. |
| 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.consumemrfinance.gov/learnmore. |
FEES |
|
| Annual Fee | None |
| Transaction Fees • Foreign Transaction Fee |
1% of the US dollar amount of the foreign transaction |
| Penalty Fees • Late Payment Fee • Returned Payment Fee |
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).
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Account Agreement
These Account Disclosures for the VISA Credit Card are part of and integrated with your VISA Credit Card Agreement with Central Sunbelt Federal Credit Union. We reserve the right to amend the VISA Credit Card Agreement as permitted by law.