VISA Platinum Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	9.9%, 12.9%, 14.9%, 16.9%
APR for Balance Transfers	9.9%, 12.9%, 14.9%, 16.9%
APR for Cash Advances	9.9%, 12.9%, 14.9%, 16.9%
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 or cash advances if you pay your entire balance by the due date each month.
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 https://www.ConsumerFinance.gov/learnmore

VISA Platinum Fees
Annual Fee	None
Transaction Fees
Stop Payment Fee (Preauthorized Charge)	$32.00
Balance Transfer	N/A
Cash Advance	2% of the transaction amount
Foreign Transaction	Up to 1% of each transaction in US Dollars
Pay By Phone	Up to $10.00
Penalty Fees
Late Payment	Up to $25.00 for first occurrence Up to $35.00 for subsequent occurrences
Over-the-Credit Limit	Up to $37.00
Returned Payment	Up to $32.00
NSF Convenience Check	Up to $32.00
Other Fees
Statement Copy Fees	$5.00
Rush Fees	Up to $25.00
Card Reissue Fee	$10.00 after one free annually

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).

The information about the costs of the VISA Credit Cards described above is accurate as of March 1, 2018. This information may change after that date. To find out what may have changed please call APCU's VISA Department at (800) 849-8431 or write us at 515 Mulberry Street, Suite 100, Macon, GA 31201-6306. APCU will review your credit history, income and other information you provide to determine the maximum credit line available for your account and the credit card rate for which you qualify.

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