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PO Box 12689
San Antonio, TX 78212-0689
210-225-6866
800-535-3322
Fax: 210-244-2529
www.rivercityfcu.org |
VISA PLATINUM Visa GOLD and Visa CLASSIC
APPLICATION
AND SOLICITATION DISCLOSURE |
Interest Rates and Interest Charges |
Annual Percentage Rate (APR) for Purchases |
Visa Platinum
2.99% Introductory APR for a period of six (6) billing cycles. When
the discounted period expires, the APR on existing balances will increase to
the new non-discount rate on the first day of the billing cycle.
After that your APR will be 7.90%.
Visa Gold
2.99% Introductory APR for a period of six (6) billing cycles. When the discounted
period expires, the APR on existing balances will increase to the new
non-discount rate on the first day of the billing cycle.
After that your APR will be 10.90%.
Visa Classic
2.99% Introductory APR for a period of six (6) billing cycles. When the discounted
period expires, the APR on existing balances will increase to the new
non-discount rate on the first day of the billing cycle.
After that your APR will be 12.90%. |
APR for Cash Advances |
Visa Platinum
2.99% Introductory APR for a period of six (6) billing cycles. When the
discounted period expires, the APR on existing balances will increase to the
new non-discount rate on the first day of the billing cycle.
After that your APR will be 7.90%.
Visa Gold
2.99% Introductory APR for
a period of six (6) billing cycles. When the discounted period expires, the
APR on existing balances will increase to the new non-discount rate on the
first day of the billing cycle.
After that your APR will be 10.90%.
Visa Classic
2.99% Introductory APR for a period of six (6) billing cycles. When the discounted
period expires, the APR on existing balances will increase to the new
non-discount rate on the first day of the billing cycle.
After that your APR will be 12.90%.
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APR for Balance Transfers |
Visa Platinum
2.99% Introductory APR for
a period of six (6) billing cycles. When the discounted period expires, the
APR on existing balances will increase to the new non-discount rate on the
first day of the billing cycle.
After that your APR will be 7.90%.
Visa Gold
2.99% Introductory APR for
a period of six (6) billing cycles. When the discounted period expires, the
APR on existing balances will increase to the new non-discount rate on the
first day of the billing cycle.
After that your APR will be 10.90%.
Visa Classic
2.99% Introductory APR for
a period of six (6) billing cycles. When the discounted period expires, the
APR on existing balances will increase to the new non-discount rate on the
first day of the billing cycle.
After that your APR will be 12.90%.
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How to Avoid Paying
Interest on Purchases |
Your due
date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your
entire balance by the due date each month. |
For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using
a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard/. |
Fees |
Transaction Fees |
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- Foreign Transaction Fee |
1.00% of each transaction in U.S. dollars |
Penalty Fees |
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- Late Payment Fee |
Up to $25.00 |
- Returned Payment Fee |
Up to $25.00 |
How
We Will Calculate Your Balance. We use a method called "average daily
balance (including new purchases)."
Effective Date.
The information about the costs of the card
described in this application is accurate as of January
1, 2011. This information may have changed after that date. To find out
what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee $25.00 or the amount of the required minimum payment,
whichever is less, if you are ten (10) or more days late in making a payment.
Returned Payment Fee $25.00 or the amount of the required minimum payment,
whichever is less. |
| © CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED |
MXC4XX |
___________________________________________________________________________________________________________ All River City FCU credit cards feature:
- No
annual fees
- No
fee Cash Advance
- No
fee Balance Transfer
Choosing the right credit card is easy when you look at the
amazing choices you have at River City Federal Credit Union.
View a copy of your credit card agreement,
or call 1-800-535-3322 to request a copy by mail.
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