Visa Credit Card Rates
Effective Date: October 31, 2008
Visa Card Advantages
Visa
Card Type
|
Visa
Platinum |
Visa
Golden 55 |
Visa
Gold |
Visa
Classic |
Visa
Standard |
APR* For
Purchases and Cash Advances |
10.6% |
10.6% |
12.6% |
14.6% |
16.6% |
| Penalty APR** |
13.6% |
13.6% |
15.6% |
17.6% |
18.0% |
| Promotional Balance Transfer APR *** |
6.9% |
6.9% |
6.9% |
6.9% |
6.9% |
| Credit Limits |
Up to $50.000 |
| Minimum Finance Charge |
None |
None |
None |
None |
None |
| Transaction Fee For Purchases, Cash Advances and Balance
Transfers |
None |
None |
None |
None |
None |
| Annual Fee |
None |
None |
None |
None |
None |
| Over the Credit limit Fee |
$25.00 per over limit transaction |
Grace Period
For repayment of balance for purchases
(excludes cash advance) |
You have 25 days to repay your
balance before a finance charge on purchases will be imposed |
Method of computing the balance for purchases
|
Average daily balance. (Including new purchases) |
| Late Payment Fee |
20% of the minimum payment due ($25 minimum) |
*APR=Annual Percentage Rate
**APR Penalty Rate=A Penalty Interest Rate will apply in the event you
fail to make your minimum monthly payment for two consecutive billing
cycles. If you successfully make at least six timely minimum monthly
payments after the Penalty Rate goes into effect, the APR will be reduced
to the regular interest rate pursuant to your Agreement with us.
***Until Promotional transfer balance is paid in full. |
Balance Transfer Disclosures
Offer applies only to balances transferred with Visa convenience checks, or
cash advances done by America's Credit Union, to payoff existing balances with
other creditors. Convenience checks can not be used to payoff existing America's Credit Union Visa Card balances. There is no grace period for cash advances
or convenience check transactions; interest is charged from the date of the
posting. The Choice Home Equity Visa is excluded from this promotion. All payments
and credits will be applied first to any fees, interest (old and new), and special
promotional balances until those balances are paid, and then to pre-existing
and current Visa Card charges.
Your other debt account(s) will not be closed by the credit
union. (even if you transfer your entire balance). If you wish to close
other accounts, please contact the creditor. You should make at least
your minimum payment on any card on which you are transferring a balance
until you receive confirmation from the creditor that your balance transfer
payment has been received, ACU is not responsible for late payments on
other debt account(s). In the event that your request(s) exceed the amount
of your credit line, then ACU will fulfill your requests in numeric order
as listed on your request. ACU may decline to process one or more requests
and/or may complete one request in a partial amount. *APR = Annual Percentage
Rate. |
