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Visa Disclosure

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Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

Visa Elite

0.00% Introductory APR for qualified members, for a period of six billing cycles.

After that, or if you do not qualify for the introductory APR, your APR will be 10.75%. This APR will vary with the market based on the 5-Year U.S. Treasury Note.

Visa Platinum

0.00% Introductory APR for qualified members, for a period of six billing cycles.

After that, or if you do not qualify for the introductory APR, your APR will be 9.75% to 16.75% based on your credit worthiness. This APR will vary with the market based on the 5-Year U.S. Treasury Note.

APR for Balance Transfers

Visa Elite

0.00% Introductory APR for qualified members, for a period of six billing cycles.

After that, or if you do not qualify for the introductory APR, your APR will be 10.75%. This APR will vary with the market based on the 5-Year U.S. Treasury Note.

Visa Platinum

0.00% Introductory APR for qualified members, for a period of six billing cycles.

After that, or if you do not qualify for the introductory APR, your APR will be 9.75% to 16.75% based on your credit worthiness. This APR will vary with the market based on the 5-Year U.S. Treasury Note.

APR for Cash Advances

Visa Elite

0.00% Introductory APR for qualified members, for a period of six billing cycles.

After that, or if you do not qualify for the introductory APR, your APR will be 10.75%. This APR will vary with the market based on the 5-Year U.S. Treasury Note.

Visa Platinum

0.00% Introductory APR for qualified members, for a period of six billing cycles.

After that, or if you do not qualify for the introductory APR, your APR will be 9.75% to 16.75% based on your credit worthiness. This APR will vary with the market based on the 5-Year U.S. Treasury Note.

How to Avoid Paying Interest on PurchasesYour due date is at least 28 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee
- Annual Fee - Visa Elite$40.00
- Annual Fee - Visa Platinum$0.00
Transaction Fees
- Balance Transfer FeeNone
- Cash Advance FeeNone
- Foreign Transaction FeeUp to 1.00% of each transaction in U.S. dollars
- Transaction Fee for PurchasesNone
Penalty Fees
- Late Payment FeeUp to $20.00
- Over-the-Credit Limit FeeUp to $20.00
- Returned Payment FeeUp to $30.00

How We Will Calculate Your Balance. We Use a method called 'average daily balance (including new purchases).'

Promotional Period for Introductory APR. The Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your account during the first six months following issuance of your card. Any existing balances on Visions Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Effective Date.
The information about the costs of the card described in this application is accurate as of December 1, 2018 . This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Elite and Visa Platinum 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 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$20.00or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.
Annual Fee - Visa Elite$40.00
Over-the-Credit Limit Fee$20.00or the amount of the transaction exceeding your credit limit, whichever is less.
Returned Payment Fee$30.00or the amount of the required minimum payment, whichever is less.
Statement Copy Fee$3.00 per page
Document Copy Fee$12.00
Rush Fee$47.50
PIN Replacement Fee$0.00
Card Replacement Fee$10.00per card
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