Del Norte Credit Union Credit Card Disclosure
|
Annual Percentage Rate (APR) for Purchases |
9.9% VISA Platinum with Rewards 11.9% VISA Classic 11.9% MasterCard |
|
Cash Advance APR Balance Transfer APR *See Penalty explanation below |
9.9% VISA Platinum with Rewards 11.9% VISA Classic 11.9% MasterCard |
| Grace Period for Repayment of Balances for Purchases | You have 25 days to repay your balance on purchases before a finance charge is assessed. |
| Method of Computing the Balance for Purchases | Average daily balance method including new purchases. |
| Annual Fees | None |
| Minimum Finance Charge | None |
| Transaction Fee for Purchases | Purchases made in foreign countries and foreign currencies will be billed to you in U. S. dollars. The conversion rate to U. S. dollars will be determined in accordance with the Visa / MasterCard operating regulations for international transactions. |
| Transaction Fee for Cash Advances | Cash advances made in foreign countries and foreign currencies will be billed to you in U. S. dollars. The conversion rate to U. S. dollars will be determined in accordance with the MasterCard operating regulations for international transactions. |
| Other Fees |
Balance Transfer Fee: $0.00 Over-the-Limit Fee: $15.00 Late Fee: $15.00 Returned Check: $10.00 |
* Penalty Rate Disclosures: All rates for your accounts, including the rates for purchases, cash advances and balance transfers will automatically increase to the Penalty Rate of 17.9% Annual Percentage Rate when you fail to make the required payment for your account within 60 days of the payment due date shown on your statement. The rates for purchases, cash advances and balance transfers will automatically revert to the rates in effect for those balances when you make 6 consecutive payments of at least the minimum payment amount required and each payment is posted to your account no more than three (3) days past the due dates listed on each statement. |
