VISA® Classic

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	14.88% APR
APR for Balance Transfers	14.88% APR
APR for Cash Advances	14.88% APR
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. The Interest Charge on cash advances begins from the date you obtained the cash advance. We will not charge you any interest on balance transfers 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
Annual Fee	None
Transaction Fees
• Foreign Transaction	Up to 1% of each transaction in U.S. Dollars
Penalty Fees
• Late Payment	Up to $17.50
• Returned Payment	Up to $25.00
Other Fees
• Replacement Card	$10.00
• Expedited Card Request	$25.00

How We Will Calculate Your Balance: We use a method called “average daily balance” (excluding new purchases).* An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Military Lending APR: Federal law provides important protections to members of the Armed Forces and their dependents relating to the extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for any ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Notice to Young Applicants: Federal law restricts our ability to provide credit cards to persons under age 21. To obtain an Account or credit limit increase, Applicants under age 21 must: (1) include the signature of a guarantor or joint applicant who has attained the age of 21 and has the means to repay the debts incurred; or (2) include financial information indicating that the underage applicant has the ability to repay the debts incurred.