Band Title

Band Subtitle

Zone Title

Zone Subtitle

Feature Wrap Title

Feature Wrap Subtitle

Visa Platinum Rates

VISA PLATINUM DISCLOSURE
Interest Rates and Interest Charges
Effective as ofJanuary 15, 2019
VISA PlatinumShare-Secured Visa Platinum
as low asup to
Annual Percentage Rate (APR) for Purchases11.50% 18.00%9.50%
APR for Balance Transfers11.50% to 18.00%
APR for Cash Advances11.50% to 18.00%
APR is based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR will vary with the market based on the Prime Rate.
Penalty APRNone
How to avoid paying interest on PurchasesYour 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.
Minimum Interest ChargeThere is no minimum interest charge.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
VISA PLATINUM DISCLOSURE FEES
Set-up and Maintenance Fees
• Annual Fee
• Account Set-up Fee
• Participation Fee
• Additional Card Fee
NONE
NONE
NONE
NONE
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction
NONE
NONE
1% of each transaction in U.S. Dollars
Penalty Fees
• Late Payment
• Over-the-Credit-Limit
• Returned Checks
$10.00
NONE
$31.00
Method of computing the balance for purchasesAverage daily balance (including new purchases)