|
LFCU VISA CREDIT CARD DISCLOSURE |
| Annual Percentage Rate |
| |
Platinum
or Shared Secured Platinum |
| |
Platinum Rewards | |
| |
| - As low as 8.99% to 17.99% |
|
| - As low as 9.24% to 17.99% | |
| Variable Rate Information |
The Visa Platinum Rewards APR is a variable rate determined by adding a margin of 5.99% to 9.99% to the prevailing U.S. Prime Rate as published in The Wall Street Journal on your billing cycle date. The U.S. Prime rate was 3.24% as of December 17, 2008. |
| Fixed Rate Information |
LFCU Platinum VISA Or Share Secured Visa only; Rates may increase after consummation |
| Other APRs |
Late Payer Rate 17.99% APR* (see below) |
Grace Period for
Purchases |
25 Days, if each month you pay the entire
New Balance by the Payment Due Date. |
Balance
Computation Method |
Average Daily Balance
including new purchases |
| Annual Fee |
None |
| Minimum Finance Charge |
None |
| Foreign Transaction Fee |
Up to 1% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency. Plus Network ATM transactions cross border done in and charged in US dollars are excluded from the one percent (1%) fee. |
Over Limit and
Late Payment Fees |
Over Limit - $15.00 per billing cycle.
Late Payment - $15.00 for balances of $100 or less;
$20 for balances between $100.01 - $1,000;
$25 for balances between $1000.01 - $10,000;
and $30 for balances over $10,000. |
| "As low as" rates are our best rates on approved credit. The Annual Percentage Rate (APR) you receive will be in the range disclosed & is based on your credit score. Please ask us for the rate that your credit score determines. The higher the credit scores the lower the rate. Rates may increase after consummation. Terms and Rates are accurate as of 12/17/08 and are subject to change. Contact LFCU at (800)328-LFCU (5328) to obtain the most recent information. Minimum Credit Line: LFCU Platinum Visa $500; LFCU Share Secured Visa $250. |
