| Visa Cards | Visa Classic | Visa Gold | Visa Platinum |
| Annual Percentage Rates (APR) For Purchases |
The APR for the purchase balance is
13.90%
|
The APR for the purchase balance is
10.90%
|
The APR for the purchase balance is
8.90%
|
| Other Annual Percentage Rates (APR) |
The APR for the cash advance balance is
13.90%
The APR for transferred balances is
13.90%
|
| How to Avoid Paying Interest on Purchases and Promotional Balances |
Your due date is at least 23 days after the close of each billing cycle.
We will not charge any interest on the portion of the purchases balance and
promotional balances 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.consumerfinance.gov/learnmore/.
|
Fees for All Visa Accounts
| Visa Cards | Visa Classic | Visa Gold | Visa Platinum |
| Annual Fee | $12.00* | None | None |
| Transaction Fees |
| Foreign Transaction Fee |
Up to 1% of the US dollar amount of the foreign transaction. |
| Cash Advance Fee/ Balance Transfer Fee |
Either $5.00 or 2% of each cash adavnce, whichever is greater. |
| Penalty Fees |
| Late Payment Fee |
up to $25.00 |
| Returned Item Fee |
$25.00 (for each convenience check returned regardless of the reason.) |
Notes
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 as permitted by law.