If approved for VISA Platinum Premium, your existing Platinum Preferred Card will be cancelled within 20 days of ordering the new card. Any balance will be transferred over to your new card.
| Interest Rates and Interest Charges for VISA® Platinum Premium | |
|---|---|
| Annual Percentage Rate | 2.9% introductory APR for first 6 months; After that, your APR will be 7.9% |
| APR for Balance Transfer | 2.9% introductory APR for six months After that, your APR will be 7.9% |
| APR for Cash Advances | 2.9% introductory APR for six months After that, your APR will be 7.9% |
| Penalty APR and When It Applies | None |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances on the transaction date. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $.50 |
| For Credit Card Tips from the Federal Reserve Board |
To Learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
| Set-up and Maintenance Fees | NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available. |
| Annual Fee | None |
| Additional Card Fee | $10 |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advance | None |
| Foreign Transaction | 1% of the U.S. dollar amount on transactions made in a foreign currency, as of the transaction date. |
| Penalty Fees | |
| Late | Up to $25 |
| Returned Payment | $25 |
Additional Details
- Interest rate not increased due to or based on
- late payments to us or other creditors (Universal Default)
- amount of your balance
- where you shop
- No fees for Balance Transfers or cash advances
- Great card benefits*
- Auto rental collision damage waiver – Personal
- Cardholder inquiry service
- Emergency cash disbursement & card replacement lost/stolen card reporting
- Zero liability**
* Certain restrictions, limitation, and exclusions apply
**Covers U.S.-issued card only. VISA’s Zero Liability Policy does not apply to commercial credit card, ATM transactions, or PIN transactions not processed by VISA