VISA Credit Card
CHECK OUT OUR LOW COST VISA® CREDIT CARDS!
Low Fixed Rates! NO ANNUAL FEE. HRCCU's VISA® card is one of the best bargains in the business.
To access your VISA Credit Card information online, click here.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases |
VISA® PLATINUM8.90% to 18.00% when you open your account, based on your creditworthiness |
APR for Cash Advances |
VISA® PLATINUM8.90% to 18.00% when you open your account, based on your creditworthiness |
APR for Balance Transfers |
VISA® PLATINUM8.90% to 18.00% when you open your account, based on your creditworthiness |
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. |
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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 |
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Transaction Fees
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Foreign Transaction Fee - None
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Penalty Fees
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Late Payment Fee - Up to $21.00Returned 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 July 1, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee $21.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee $5.00
* A.P.R. = Annual Percentage Rate and subject to change without notice. Members must credit qualify for the annual percentage rate to receive HRCCU's VISA® PLATINUM credit cards.
NOTE: Borrowers must credit qualify for the rate and higher spending limit to receive VISA® Platinum credit cards. Rates may vary based on member's relationship with HRCCU and credit history. A $5.00 credit report fee may also be charged. For cash advances, interest begins accruing on the day of the transaction. Also, be aware that a fee may be imposed by (1) an ATM operator not holding your account(s), or (2) any national, regional or local network used to complete your transaction. New York residents may contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-522-3330. If you apply for another loan with HRCCU your VISA® Platinum A.P.R. may be raised or decreased based upon your credit score at the time of application. You’re A.P.R. will be reviewed upon reissue date and your rate may decrease or increase based on your credit score. The credit union has the right to offset our shares for payment. A 1% international transaction fee for purchases may be imposed on VISA® card holders. To find out the current cost, write to the credit union at 312 Palmer Ave., Corinth, NY 12822 or call 518-654-9028.
For a complete copy of the VISA® Platinum disclosure, click here.
UNLAWFUL INTERNET GAMBLING NOTICE: Gambling transactions prohibited. You may not use your card to initiate any type of gambling transaction. Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.
For credit counseling on your VISA® credit card statement, contact the National Foundation for Credit Counseling at 1-800-388-2227 or online at www.nfcc.org.
