Visa Disclosure
This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.
| Type | Interest Rate and Interest Charges |
|---|---|
| Annual Percentage Rate (APR*) for Purchases | 13.90% |
| APR* for Balance Transfers | 13.90% |
| APR* for Cash Advances | 13.90% |
| Paying Interest | 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. We will begin charging interest on balance transfers and cash advances on the transaction date. |
| 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 Protection Bureau at www.consumerfinance.org/learnmore. |
| Type | Fee |
| Annual Fee | None |
| Account Set-up Fee | None |
| Program Fee | None |
| Participation Fee | None |
| Additional Card Fee | None |
| Application Fee | None |
| Balance Transfer Fee | None |
| Cash Advance Fee | None |
| Foreign Transaction Fee | 1.00% of each multiple currency transaction in U.S. dollars 1.00% of each single currency transaction in U.S. dollars |
| Transaction Fee for Purchases | None |
| Late Payment Fee | up to $25.00 |
| Over the Credit Limit Fee | None |
| Returned Payment Fee | up to $25.00 |
How We Will Calculate Your Balance
We use a method called “average daily balance (including new purchases).” See your account Agreement for more details.
Billing Rights
Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.
| Other Disclosures | |
|---|---|
| Late Payment Fee | You will be charged a fee if you are 15 days or more late in making a payment. If your required minimum payment is $25.00 or less, you will be charged a fee of 5.00% of the minimum payment, not to exceed $5.00. If your required minimum payment is more than $25.00, you will be charged a fee of $15.00 or 5.00% of the minimum payment, whichever is greater, not to exceed $25.00. |
| Returned Payment Fee | $15.00 or the amount of the required minimum payment, whichever is less. |
| Statement Copy Fee | None |
| Document Copy Fee | None |
| Rush Fee | None |
| Emergency Card Replacement Fee | $150.00 |
| PIN Replacement Fee | None |
| Card Replacement Fee | None |
| Unreturned Card Fee | None |
| Card Recovery Fee | $65.00 |
| Pay-by-Phone Fee | $10.00 |
Missouri Fee Notice
Credit card fees are governed by §408.140 of the Missouri Revised Statutes.
Collection Costs
You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney’s fees.
Periodic Rates
The Purchase APR* is 13.90% which is a monthly periodic rate of 1.1583%.
The Balance Transfer APR* is 13.90% which is a monthly periodic rate of 1.1583%.
The Cash Advance APR* is 13.90% which is a monthly periodic rate of 1.1583%.
(PLEASE CONTACT THE CREDIT UNION FOR ANY CHANGES IN THE DISCLOSURE SINCE POSTED AT (660) 582-5747.)