Interest Rates and Interest Charges | |
---|---|
Annual Percentage Rate (APR) for Purchases | 20.50%
When you open a VISA Platinum Secured account, the applicable APR is based on creditworthiness. After account opening, your APR will vary with the market based on the Prime Rate. |
APR for Cash Advances & Balance Transfers |
20.50% |
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. |
Annual Fee |
None |
Transaction Fees | |
|
2% of transaction with a minimum of $10 |
Penalty Fees | |
|
$25 per item |
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.