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| INTEREST RATES AND INTEREST CHARGES | ||
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VISA Gold | VISA Classic |
| Annual Percentage Rate (APR) for Purchases | 9.90% | 13.99% |
| APR for Balance Transfers | 9.90% | 13.99% |
| APR for Cash Advances | 9.90% | 13.99% |
| Penalty APR and When it Applies | None | |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the posting date. | |
| Minimum Interest Charge | None | |
| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for a credit card, visit the website of the Federal Reserve at http://www.federalreserve.gov/creditcard. | |
FEES |
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VISA Gold | VISA Classic |
Annual Fee |
None | None |
Transaction Fees |
None None 1% of each transaction in U.S. dollars. |
|
Penalty Fees |
$25.00 $30.00 None |
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How We Will Calculate Your Balance: We use the average daily balance method (including new transactions). 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.
