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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. |
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