VISA CLASSIC AND VISA SHARE SECURED CREDIT CARD SOLICITATION DISCLOSURE

 

Interest Rates and Interest Charges

Annual Percentage Rates (APR)
for Purchases

Visa Classic

7.99% to 14.99% when you open your account, based on your creditworthiness.

Visa Share Secured

14.99%

APR for Cash Advances

Visa Classic

7.99% to 14.99% when you open your account, based on your creditworthiness.  

Visa Share Secured

14.99%

APR for Balance Transfers

Visa Classic

3.99% to 8.99% Introductory APR for 120 days from the issuance of the card.  When the discounted rate expires, the APR on existing balance will continue until paid off.  After that, your APR will be 3.99% to 8.99%, based on your creditworthiness.

Visa Share Secured

None

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.  We will begin charging interest on cash advances and balance transfers on the transaction date.

For Credit Card Tips from the
Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Transaction Fees

  • Cash Advance Fee
  • Balance Transfer Fee
  • Foreign Transaction Fee
  • 2% with a $1.00 minimum   
  • None
  • 1% of each transaction in US Dollars

Penalty Fees

  • Late Payment Fee
  • Return Payment Fee

 

  • $25.00 or the amount of the minimum, whichever is less.
  • $15.00
 

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 is accurate as of September 1, 2015 and is subject to change thereafter.  Call the Loan Department at 1-800-826-3818 to find out what may have changed.

How to Make A Credit Card Balance Transfer – If you wish to transfer the balance of your other credit cards to your CFCU Visa Classic Credit Card, please provide statements for each account.  The payoffs are treated as cash advances according to the terms set forth in the Credit Card Agreement, which you received with your new card.  If the consolidated balance is greater than your CFCU VISA Classic credit limit, we will pay off the accounts in the order that you indicate and will contact you with any remaining balances that could not be paid in full.  You can email scan your statements to the loandepartment@constellationfcu.org or fax to (703) 573-0973. 

SMS Guardian

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Credit Card Agreement