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| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | Visa Platinum Rewards to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Signature Cashback to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | Visa Platinum Rewards 4.99% Introductory APR for a period of 6 billing cycles. After that, your APR will be to , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum 4.99% Introductory APR for a period of 6 billing cycles. After that, your APR will be to , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Signature Cashback 4.99% Introductory APR for a period of 6 billing cycles. After that, your APR will be to , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Visa Platinum Rewards to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Signature Cashback to , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | Visa Platinum Rewards 18.00% Visa Platinum 18.00% Visa Signature Cashback 18.00% This APR may be applied to your account if you:
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| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first six months following the opening of your account. Any existing balances on Granite Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Loss of Introductory APR:
We may end your Introductory APR for balance transfers and apply the Penalty APR if you are 60 days late in making a payment.
Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.
Effective Date:
The information about the costs of the card described in this application is accurate as of: September 22, 2022
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Platinum Awards and Visa Platinum are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
Other Fees & Disclosures:
Late Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less, if you are 14 or more days late in making a payment.
Cash Advance Fee (Finance Charge):
1.50% of each cash advance.
Returned Payment Fee:
$10.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee:
$5.00.
Document Copy Fee:
$15.00 per document.
Emergency Card Replacement Fee:
$5.00.
Rush Fee:
$30.00.
Statement Copy Fee:
$2.00 per document.
Account Research Fee:
$25.00 per hour, minimum of $25.00.
14303146-MXC10-P-1-080817 (MXC101-E)
