| VISA Disclosures |
| VISA Option | VISA Platinum | VISA Premium | VISA Gold |
| Annual Percentage Rate (APR) for Purchases |
19.00% |
15.00% |
9.00% |
| Other APRs |
Cash Advance APR:
19.00%
Balance Transfer APR:
19.00% |
Cash Advance APR:
15.00%
Balance Transfer APR:
15.00% |
Cash Advance APR:
9.00%
Balance Transfer APR:
9.00% |
| Grace Period for Purchases |
25 Days |
25 Days |
25 Days |
| Method of Computing the Balance for Purchases |
Average daily balance (including new purchases) |
Average daily balance (including new purchases) |
Average daily balance (including new purchases) |
| Annual Fee |
None |
None |
None |
| Minimum Finance Charge |
See Disclosure |
See Disclosure |
See Disclosure |
| Transaction Fee for Cash Advances |
None |
None |
None |
| Balance Transfer Fee |
None |
None |
None |
| Late Payment Fee |
$15.00 |
$15.00 |
$15.00 |
| Over the limit Fee |
$15.00 |
$15.00 |
$15.00 |
*Minimum Finance Charge: A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of the statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25 day grace period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle, preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from closing date.
The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance to Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.
A Finance Charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue on the unpaid average daily balance of such Cash Advances until the date of payment if paid during the same billing cycle, or until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date. If the New Balance shown on your monthly statement for the prior billing cycle is paid in full within 25 days from the closing date of that statement, no Finance Charges will be imposed during the current billing cycle for Cash Advances posted to your account during previous billing cycles.
The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Cash Advances, which is determined by dividing the sum of the daily balances by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Cash Advances, which is determined by dividing the sum of the daily balances by the number of days in the billing cycle. Each daily balance of Cash Advances is determined by adding to the outstanding unpaid balance of Cash Advances at the beginning of the billing cycle and new Cash Advances posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid Finance Charges.
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