DNCU Credit Card Disclosure

Del Norte Credit Union Credit Card Disclosure

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Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Balance Transfers & Cash Advances Visa® Platinum
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your entire balance by the due date of each month.
Minimum Finance Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau (CFPB) 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/ Set-up
and Maintenance Fees
Transaction Fees
Balance Transfer None
Cash Advance None
Foreign Transaction 1% of each transaction in U.S. dollars
Penalty Fees
Late Payment $25.00
Returned Payment $25.00
Over-the-Credit Limit None

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 account agreement.