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Visa® Platinum ScoreCard Terms and Conditions

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	3.99% introductory APR for six months. After that, your APR will be 7.25% to 15.25% based on your creditworthiness. The APR will vary with the market based on the Prime Rate.
APR for Balance Transfers and Cash Advances	3.99% introductory APR for six months. After that, your APR will be 11.25% to 19.25% based on your creditworthiness. The APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	23.24% This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
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 you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.50
For Credit Card tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board
Fees
Annual Fee	None the first year and thereafter, if $3,600 in purchases is made between the account anniversary dates. Otherwise, $35.
Transaction Fees
Balance Transfer	None
Cash Advance and Convenience Checks	Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee: $200).
Foreign Transactions
International transaction fee	.80% of the transaction amount in U.S. dollars.
International transaction fee with currency conversion	1.0% of the transaction amount in U.S. dollars.
Penalty Fees
Late Payment	$10.00
Returned Payment	$29.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including current transactions)."

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.

How We Will Calculate your APR Following the Introductory Rate: The rates are determined monthly by adding 4, 8 or 12 percentage points to the Prime Rate for purchases; by adding 8, 12 or 16 percentage points to the Prime Rate for balance transfers and cash advances; and by adding 19.99 percentage points to the Prime Rate for the penalty rate.

How We Will Determine the Prime Rate: The Prime Rate used for every monthly adjustment is the highest "prime rate" as published in the "Money Rates" section of The Wall Street Journal at the end of the business day on the first of the month preceding the change.

Expedited Card Production and Delivery: Upon request, we will rush your card and charge you a one-time fee of $28.50.

Research Charges: We will charge $20 per hour, $10.00 minimum per project and $1.00 per credit card statement.

 

Visa® Platinum Card Terms and Conditions

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	3.99% introductory APR for six months. After that, your APR will be 7.25% to 15.25% based on your creditworthiness. The APR will vary with the market based on the Prime Rate.
APR for Balance Transfers and Cash Advances	3.99% introductory APR for six months. After that, your APR will be 11.25% to 19.25% based on your creditworthiness. The APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	23.24% This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
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 you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.50
For Credit Card tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board
Fees
Annual Fee	None
Transaction Fees
Balance Transfer	None
Cash Advance and Convenience Checks	Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee: $200).
Foreign Transactions
International transaction fee	.80% of the transaction amount in U.S. dollars.
International transaction fee with currency conversion	1.0% of the transaction amount in U.S. dollars.
Penalty Fees
Late Payment	$10.00
Returned Payment	$29.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including current transactions)."

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.

How We Will Calculate your APR Following the Introductory Rate: The rates are determined monthly by adding 4, 8 or 12 percentage points to the Prime Rate for purchases; by adding 8, 12 or 16 percentage points to the Prime Rate for balance transfers and cash advances; and by adding 19.99 percentage points to the Prime Rate for the penalty rate.

How We Will Determine the Prime Rate: The Prime Rate used for every monthly adjustment is the highest "prime rate" as published in the "Money Rates" section of The Wall Street Journal at the end of the business day on the first of the month preceding the change.

Expedited Card Production and Delivery: Upon request, we will rush your card and charge you a one-time fee of $28.50.

Research Charges: We will charge $20 per hour, $10.00 minimum per project and $1.00 per credit card statement.

 

Visa® Secured Card Terms and Conditions

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	16.25%. The APR will vary with the market based on the Prime Rate.
APR for Balance Transfers and Cash Advances	19.25%. The APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	23.24% This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
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 you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.50
For Credit Card tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board
Fees
Annual Fee	$39.00
Transaction Fees
Balance Transfer	None
Cash Advance and Convenience Checks	Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee: $200).
Foreign Transactions
International transaction fee	.80% of the transaction amount in U.S. dollars.
International transaction fee with currency conversion	1.0% of the transaction amount in U.S. dollars.
Penalty Fees
Late Payment	$10.00
Returned Payment	$29.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including current transactions)."

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.

How We Will Calculate your APR Following the Introductory Rate: The rates are determined monthly by adding percentage points to the Prime Rate for purchases; by adding percentage points to the Prime Rate for balance transfers and cash advances; and by adding 19.99 percentage points to the Prime Rate for the penalty rate.

How We Will Determine the Prime Rate: The Prime Rate used for every monthly adjustment is the highest "prime rate" as published in the "Money Rates" section of The Wall Street Journal at the end of the business day on the first of the month preceding the change.

Expedited Card Production and Delivery: Upon request, we will rush your card and charge you a one-time fee of $28.50.

Research Charges: We will charge $20 per hour, $10.00 minimum per project and $1.00 per credit card statement.

 

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