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Tuesday, July 8, 2008

VISA Credit Card Disclosure

 Please read and agree or disagree at the bottom of the page to continue

NEIGHBORS
FEDERAL CREDIT UNION
VISA CREDIT CARD DISCLOSURE

Please read and agree or disagree at the bottom of the page to continue.

Tabular Disclosure

 
Annual Percentage Rate (APR) for Purchases *
 
  
VISA Platinum
8.9% - 17.9%
VISA Classic
8.9% - 17.9%
 
Other APR's **
Balance Transfers: 0% from the date of issuance in which the rate period (six months) expires; thereafter the standard APR for purchases.
Purchases and Cash Advances: 1.9% from the date of issuance in which the rate period (six months) expires; thereafter the standard APR for purchases.
 Cash Advance APR . . . 8.9% - 17.9%
 Balance Transfer APR . 8.9% - 17.9%
 Penalty Rate APR . . . . 18.00%***
Grace Period for Purchases 25 Days
Method of Computing the Balance for Purchases Average Daily Balance
(Including new purchases)
Minimum Finance Charge None

 Transaction Fee for Purchases . . . . . . . . . . . . . . . .None
 Annual Fee    . . . . . . . . . . . . . . . . . . . . . . . . . . . $25.00
 Over-the-Credit Limit Fee . . . . . . . . . . . . . . . . . $25.00
 Late Payment Fee . . . . . . . . . . . . . . . . . . . . . . 5%****

*   The rate you receive will depend on your credit history.
**  Applies to both cards. The credit union will charge a fee of one percent (1.0%) of the U.S. Dollar transaction amount on all international transactions.
*** The credit union may apply the penalty APR to balances for cash advances, balance transfers, and purchases when you are 91 days delinquent in making a payment.
****Of the amount past due.
 
The information about the costs of the card described in this application is accurate as of 12/2002. This information may have changed after that date. To find out what may have changed, contact the credit union.

Click here for a printable disclosure.

 

 

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