PLATINUM CARD INFORMATION & DISCLOSURES
Platinum Visa Credit Card
If you carry a balance on your credit card from time to time and you are looking for a lower rate, the Platinum Visa Card could be right for you.
- Lower rates than most rewards and store cards.
- Check your balance and pay your bill through digital banking.
- Low intro balance transfer APR***
- No annual fees
Interest Rates and Interest Charges
| Interest Rates | Interest Charges |
|---|---|
| Annual Percentage Rate (APR) for Purchases When you open a VISA Platinum account, the applicable APR is based on creditworthiness. After account opening, your APR will vary with the market based on the Prime Rate. | 11.99% - 23.50% |
| APR for Balance Transfers Introductory Period of 12 months (balance transfers in first 90 days). Offer may not be used to pay existing CW Loans. After that, the applicable APR is based on creditworthiness and the Prime Rate. | 1.99%; 11.99% - 23.50% |
| APR for Cash Advances When you open your account, the applicable APR is based on creditworthiness. After account opening, your APR will vary with the market based on the Prime Rate. | 11.99% - 23.50% |
Disclosures
Annual Fee
None
Transaction Fees
Cash Advance Fee: 2% of transaction with a minimum of $10
Foreign Transaction Fee: Up to 1% of the US dollar amount of the foreign transaction
Penalty Fees
Late Payment Fee: $25 per item
Returned Payment Fee: $25 per item
How to Avoid Paying Interest on Purchases
Your due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay 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).
Billing Rights
Information on your rights to dispute transactions and how to exercise those rights is provided in your VISA Credit Card Agreement.
We reserve the right to amend the VISA Credit Card Agreement as permitted by law.