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%
APR for Balance Transfers 9.90%
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 (excluding new purchases) (including new balance transfers and cash advances).”

Effective Date.
The information about the costs of the card described in this application is accurate as of October 3, 2017. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Classic is a secured credit card.  Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.  Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union.  For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower. 

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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