VISA Platinum Card Terms and Conditions
All rates are accurate as of: Wednesday, December 11, 2013 and are subject to change at any time.†
|Annual Percentage Rate (APR) for purchases||
5.99% for first 6 billing cycles¹
10.99% - 17.99%* thereafter²
Balance Transfer: 5.99% for first 6 billing cycles¹, then 10.99% - 17.99%² thereafter
Cash Advance: 5.99% for first 6 billing cycles¹, then 10.99% - 17.99%² thereafter
|Variable Rate information||Not Applicable|
|Paying Interest on Purchases||We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.|
|Method of Computing the Balance for Purchases||Average Daily Balance including new purchases.|
|Cash Advance Fee||$0|
|Balance Transfer Fee||$0|
|International Transaction Fee||1% of the converted transaction amount.|
|Other Fees||Late Payment Fee: up to $30|
|Minimum Finance Charge||$.50|
†Rates declared June 1, 2010.
¹Introductory rate applies to new SCCU cardholders. Existing SCCU Gold and Classic cardholders can become eligible for the introductory rate by opening an approved Platinum card account, closing their Gold or Classic card account, and transferring the existing balance to the Platinum card account together with transferring a non-SCCU card balance that is at equal to at least 50% of the SCCU balance being transferred; or $2,500, whichever is less. Your introductory rate period will end early and rate will increase to the current APR for purchases if the Minimum Payment due is not received by the Payment Due Date, your account exceeds its credit limit, or you close your account.
²Your APR will initially be determined by your creditworthiness at the time of application.
The information about the costs of the card described in this solicitation is accurate as of the date listed above. This information may have changed after that date.
To find out what may have changed, contact us.