|
LFCU VISA CREDIT CARD DISCLOSURE |
| Interest Rates and Interest Charges |
|
Annual Percentage Rate (APRs)
for Purchases |
| |
Visa Platinum
Regular or Share Secured
|
| |
Visa Platinum Rewards | |
| |
| 8.24% to 17.99% APR |
0% Introductory APR for 6 months for transactions
conducted during first 90 days the account is open
|
| 9.24% to 17.99% APR |
| The rate will vary with the market based on Prime Rate. | |
| Other Annual Percentage Rates |
APR for Cash Advances, Overdraft Protection, Visa Convenience Checks and Balance Transfers is the same as for purchases. |
| APR for Balance Transfers Visa Platinum Rewards (only) |
4.99% to 9.99% Introductory APR for 24 months |
| Penalty APR and When it Applies |
17.99% When your payment is more than 60 days late.
APR will vary with the market based on the Prime Rate.
Maximum Rate currently capped at 18.00% APR.
Rate-Cap may increase after consummation.
If you make six (6) consecutive periodic payments on time after the date we applied the Late Payer Rate, we will reinstate your regular rate. |
| How to Avoid Paying Interest on Purchases |
We will not charge you interest on purchases if you pay your entire balance by the due date each month. Your due date is at least 25 days after the close of each billing cycle. |
| Minimum Interest Charge |
None |
| 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 at http://www.federalreserve.gov/creditcard. |
| Fees |
| Annual Fee |
None |
Transaction Fees
Balance Transfer and Cash Advance
Foreign Transaction
(International Service Fee)
Overdraft Protection Transfer Fee |
None
Up to 1% of each transaction
$4.00 |
Penalty Fees
Late Payment
Over Credit Limit
Returned Payment
NSF Visa Convenience Check |
$15.00 balances under $100.00
$20.00 balances $100.00 to $500.00
$25.00 balances over $500.00
Up to $30.00 if you are late more than one time during a six month period
$25.00 (must opt-in)
$29.00
$29.00 when over the credit limit or written on delinquent account |
Other Fees
Stop Payment on Visa Check |
$20.00 |
