Credit Card Application

LOANLINER VISA CLASSIC Application and Solicitation Disclosure
P.O. Box 1057
San Antonio, FL 33576-1057
352-588-2732 • www.sacfcu.org

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 9.90%
APR for Cash Advances 9.90%    Special Offer NOW 4.99%
APR for Balance Transfers 9.90%    Special Offer NOW 4.99%
How to Avoid Paying Interest on Purchases Your due date is at least 28 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.
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 website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore .
Fees
Transaction Fees
– Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
Penalty Fees
– Late Payment Fee
Up to $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 described in this application is accurate as of June 1, 2011 . This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES
Late Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment.
Statement Copy Fee: $5.00

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