USAgencies Credit Union Credit Card
Disclosure
Offer does not
apply for residents of Illinois or Iowa |
|
|
VISA
GOLD/SECURED VISA GOLD |
VISA
PLATINUM REWARDS |
| Annual percentage rate (APR) For
purchases |
11.95% |
8.75% - 14.25% variable |
| Other APR’s |
Cash adv APR 11.95%
Bal transfer APR 11.95% |
Cash Adv APR 8.75% - 14.25% variable;
Bal transfer APR 8.75% - 14.25% |
| Rate |
Your Annual Percentage rate is fixed |
The APR may be adjusted semi-annually based on your credit score. |
| Grace period for repayment of balances for purchases |
You have 25 days to repay your balance for purchases before a finance
charge is imposed. |
You have 25 days to repay your balance for purchases before a finance
charge is imposed. |
| Method of computing the balances for purchases |
Average Daily Balance |
Average Daily Balance |
| Annual Fee |
None |
$20 waived the first year and with $5,000 in purchases each subsequent year. |
| Minimum Finance Charge |
None |
None |
| Transaction fee for purchases |
None |
None |
| Transaction fee for cash advances |
None |
None |
| Balance transfer fee |
None |
None |
| Late payment fee |
$15 after 10 days late |
$20 after 10 days late |
| Over – the – credit limit fee |
3% of the amount over limit with a minimum $10 fee if your Credit
Line is exceeded by $50 or more |
$15 |
| Monthly
payments |
Monthly payments are based on the balance outstanding at the end of
each billing cycle. Minimum payment $25.00 |
Monthly payments are based on the balance outstanding at the end of
each billing cycle. Minimum payment $25.00 |
