VISA Disclosure Information

Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases, Cash Advances, and Balance Transfers

VISA Platinum

9.00%

VISA Gold

11.90%

VISA Classic

15.00%

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 each month.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at
https://www.consumerfinance.gov/data-research/credit-card-data/
Fees
Annual Fee None
Transaction Fees

Balance Transfer
Cash Advance
Foreign Transaction


None
None
None

Penalty Fees

Late Payment
Over-the-Credit Limit
Returned Payment


$10.00
None
$20.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)"
The information about the costs of the cards 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, call us at (714) 536-6517 or write to us at P.O. Box 910, Huntington Beach, CA 92648.