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Visa
Credit Card Terms |
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| Annual Percentage Rate for Purchases and cash advances | Visa
Classic : 10.40% - 14.40%* Visa Platinum: 6 month introductory rate: 4.956%APR Then fixed rate of 8.9% |
| Other APRs | Balance transfer
APR: same as for purchases. Cash
Advance APR: Same as for purchases. Default APR: 17.9%** |
| Grace Period for repayment of the balance for purchases | You have 25 days to repay your balance for purchases before a finance charge on purchases will be charged. |
| Method for Computing the Balance for Purchases | Average daily balance (including new purchases) |
| Annual Fee | $0.00 |
| Minimum Finance Charge | $0.00 |
| Cash Advance Fee, Late Fee, Overlimit Fee, Balance Transfer Fee | Cash
Advance Fee: $0.00 Late Payment Fee: $20.00 Overlimit Fee: $10.00 Balance Transfer Fee: $0.00 |
Visa Currency Converson Fee; Effective Jan. 16, 2006. For Information on Fee Changes Click Here |
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* Rate determined by your credit history at time of account opening and at that time of periodic review or renewal as described in your VISA Credit Card Agreement. Your specific Annual Percentage Rate and Daily Periodic Rate will be disclosed to your as part of your approval process. The Annual Percentage Rates and Daily Periodic Rates for all Standard rates are disclosed in your VISA Credit Card Agreement. If you do not qualify for Visa Platinum, you may be eligible for Visa Classic. **Your annual percentage rate may be affected by your account activity with the Credit Union. If your account becomes past due because you fail to make the minimum payment for two consecutive billing cycles or you are in default for any other reason as specified in this document, your annual percentage rate and the associated daily periodic rate may be increased to the Default Rate (17.90% - .0490411%). The information listed above is correct as of 2/19/03 and is subject to change at any time without prior notice. To receive the most recent information please write to Family First of NY Federal Credit Union, Lending Department, 2520 Browncroft Blvd., Rochester, NY 14625. |
| Privacy Policy | EFT Disclosure | Employment | Account Relationship | Truth-In-Savings Disclosure | ||
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Copyright © 2006 Family First of NY Federal Credit Union. All Rights Reserved.