| Credit Card Disclosures |
Visa Classic |
Visa Gold |
Visa Platinum |
|
Annual Percentage Rate for Purchases
|
12.9% fixed rate APR
|
9.9% fixed rate APR
|
7.9% fixed rate APR
|
|
Variable rate information (if applicable)
|
N/A
|
N/A
|
N/A
|
|
Other APRs
|
Cash advance APR 12.9%; Balance transfer APR 12.9%; Penalty
Rate 17.9%*
|
Cash advance APR 9.9%; Balance transfer APR 9.9%; Penalty
Rate 17.9%*
|
Cash advance APR 7.9%; Balance transfer APR 7.9%; Penalty
Rate 17.9%*
|
|
Grace period (days) for repayment of balance for purchases
|
25 days
|
25 days
|
25 days
|
|
Method of computing the balance for purchases
|
Average daily balance including new purchases
|
Average daily balance including new purchases
|
Average daily balance including new purchases
|
|
Annual fees
|
None
|
None
|
None
|
|
Mimimum finance charge
|
None
|
None
|
None
|
|
Transaction fee for purchases
|
None
|
None
|
None
|
|
Transaction fee for cash advances
|
2% of the amount advanced
|
1% of the amount advanced
|
None
|
|
Balance transfer fee
|
$5.00
|
$5.00
|
None
|
|
Late payment fee
|
$25.00
|
$25.00
|
$25.00
|
|
Return payment fee
|
$20.00
|
$20.00
|
$20.00
|
| Over-the-credit-limit fee
|
$25.00**
|
$25.00**
|
$25.00**
|
|
Special Instructions
|
*Accounts 2 cycles past due, 2 or more times in 12 months
**This fee is applied when a balance is 10% or more over the limit. Fee
is disclosed and calculated as a finance charge.
|
*Accounts 2 cycles past due, 2 or more times in 12 months
**This fee is applied when a balance is 10% or more over the limit. Fee
is disclosed and calculated as a finance charge.
|
*Accounts 2 cycles past due, 2 or more times in 12 months
**This fee is applied when a balance is 10% or more over the limit. Fee
is disclosed and calculated as a finance charge.
|
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