Visa Card Disclosure
Interest Rate and Interest Charges
Effective as of 09.22.2023
| Card Type | APR* ‡ ** |
|---|---|
| Platinum | 9.90% |
| Visa Gold | 16.50% |
| Visa Classic | 18.50% |
| Visa Secured | 18.00% |
| Visa Student/Teen | 18.50% |
* Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on credit qualifications.
** Variable rate information: the annual percentage rate may vary each calendar quarter. The rate will be based on the Prime Rate published in The Wall Street Journal.
‡ Variable rate information: The rate will be based on the Prime Rate published in The Wall Street Journal plus 10% for Classic/Student/Teen Cardholders, plus 8% for Gold Cardholders. Rate change will take effect on your next billing cycle date. Visa Disclosure
Paying Interest
We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
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 Federal Reserve website at http://www.federalreserve.gov/creditcard/default.htm
Fees
Transaction Fees
Cash Advance — Either $20.00 or 4% of the amount of each cash advance, whichever is greater
Foreign Transactions — 2% of each transaction in U.S. Dollars
Penalty Fees
Late Payment — $25.00
Over-the-Credit-Limit — $25.00
Card Replacement — $10.00
Returned Payment — $25.00
Other Information
How will we calculate your balance?
We use a method called "Average Daily Balance (including new purchases)." See your account agreement for more details.
What are my billing rights?
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.