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VISA PLATINUM/VISA PLATINUM SECURED/VISA REWARDS

Consumer Credit Card Application and Solicitation Disclosure

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Visa Platinum

0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 8.90% to 18.00%, based on your creditworthiness.

Visa Platinum Secured

0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 14.90%.

Visa Rewards

0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 9.90% to 18.00%, based on your creditworthiness.

APR for Balance Transfers

Visa Platinum

0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 8.90% to 18.00%, based on your creditworthiness.

Visa Platinum Secured

0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 14.90%.

Visa Rewards

0.00% Introductory APR for a period of six billing cycles. After that, your APR will be 9.90% to 18.00%, based on your creditworthiness.

APR for Cash Advances

Visa Platinum

11.90% to 18.00%, based on your creditworthiness.

Visa Platinum Secured

18.00%.

Visa Rewards

12.90% to 18.00%, based on your creditworthiness

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 interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances on the transaction date.

Minimum Interest Charge

None

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

Fees

Annual Fee

None

Application Fee

None

Transaction Fees

  • Balance Transfer
  • Cash advance
  • Foreign Transaction

 

  • 2% of amount transferred
  • $1.00
  • 2% of the converted transaction amount for each international multi-currency or single-currency transaction.

Penalty Fees

  • Late Payment
  • Returned Payment

 

  • $25.00
  • $25.00

Other Fees

Card Replacement.......................................$5.00/each

Change PIN#......................................................FREE

1-Day Replacement Rush Fee-Card........................$50.00

2-Day Replacement Rush Fee-Card........................$25.00

International Replacement Rush Fee-Card............$75.00

See Terms and Conditions of the Account for other fees.

 

Promotional Period for Introductory APR: The Introductory APR for purchases and cash advances will apply to transactions posted to your account from December 1, 2018 to January 31, 2019. Any existing balances on Xplore Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your "Terms and Conditions of the Account" for more details.

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

Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Please call us at 888-U-XPLORE (888-897-5673) to receive oral disclosures of the Military Lending Act disclosure and a description of the payment obligation.