VISA Disclosure Information

CU SoCal Visa CLASSIC Card Disclosure

INTEREST RATES and INTEREST CHARGES

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Bill Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

More Information about Penalty Fees: If your Total Minimum Payment Due is not received by your payment due date, a Late Penalty Fee of $10 will be assessed. However, the Late Payment Fee will not exceed the total minimum payment that was due. The Returned Payment Fee is $25. However, the Returned Payment Fee will not exceed the total minimum payment that was due.

Information about the Introductory Rate: The Introductory APR for balance transfers is effective upon the opening of your credit card account and only applies to External Balance Transfers and does not apply to Purchases or Cash Advances. When the Introductory APR ends, the Standard APR will apply to outstanding balances (consisting of Balance Transfers). No transfer fee(s) will apply to Balance Transfer(s). The VISA Classic Introductory Annual Percentage Rate for Balance Transfers is 2.99% with a corresponding Monthly Periodic Rate of .249%.

Loss of Introductory Rate: We may end your Introductory APR if your account is delinquent 60 or more days.


CU SoCal Visa Platinum Card Disclosure

INTEREST RATES and INTEREST CHARGES

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Bill Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

More Information about Penalty Fees: If your Total Minimum Payment Due is not received by your payment due date, a Late Penalty Fee of $10 will be assessed. However, the Late Payment Fee will not exceed the total minimum payment that was due. The Returned Payment Fee is $25. However, the Returned Payment Fee will not exceed the total minimum payment that was due.

Information about the Introductory Rate: The Introductory APR for balance transfers is effective upon the opening of your credit card account and only applies to External Balance Transfers and does not apply to Purchases or Cash Advances. When the Introductory APR ends, the Standard APR will apply to outstanding balances (consisting of Balance Transfers). No transfer fee(s) will apply to Balance Transfer(s). The VISA Platinum Introductory Annual Percentage Rate for Balance Transfers is 2.99% with a corresponding Monthly Periodic Rate of .249%.

Loss of Introductory Rate: We may end your Introductory APR if your account is delinquent 60 or more days.


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