Because it fits the way you live.
Wherever you want to go, or whatever you like to do, a Visa® Credit Card from CNCCU can help make it happen for you....
| VISA Gold |
|
VISA Classic |
| 9.90% APR Fixed Rate |
|
12.90% APR Fixed Rate |
|
No Annual Fee |
|
No Annual Fee |
| Minimum $5,000 Credit Line |
|
Up to $5,000 Credit Line |
| 25 Day Grace Period |
|
25 Day Grace Period |
| No Transaction Fee for Cash Advances |
|
No Transaction Fee for Cash Advances |
| No Minimum Finance Charge |
|
No Minimum Finance Charge |
| Accepted worldwide |
|
Accepted worldwide |
| $500,000 travel accident insurance |
|
$250,000 travel accident insurance |
| $300 baggage benefit |
|
Auto rental insurance |
| Auto rental insurance |
|
|
| Warranty manager service |
|
|
|
| *APR=Annual Percentage Rate
Visa Revolving Credit Card Disclosures
| Card Type |
Visa Gold |
Visa Classic |
|
Annual Percentage rate APR for purchases |
9.90% |
12.90% |
| Other APR's |
Penalty rate:
14.90%
see explanation below¹ |
Penalty rate:
17.90%
see explanation below¹ |
| Grace period for purchases* |
25 days* |
25 days* |
| Method of computing the balances for purchases |
Average daily balance (including new purchases) |
Average daily balance (including new purchases) |
| Annual fee |
None |
None |
| Transaction fee for purchases |
Applies to foreign transactions only** |
Applies to foreign transactions only** |
¹ The penalty rate will apply to all balances if minimum monthly payment is 30 days delinquent.
When your account becomes current for 3 consecutive months the annual rate will return to the
rate in effect for non-delinquent status.
* Grace period for repayment of balances for purchases - on purchases you will have a 25-day
grace period or free ride period calculated from the statement closing date to the payment due date.
** On purchases made outside of the United States, the fee is 1% of the converted transaction amount.
Collection Costs: you agree to pay all costs of collection. The amount you owe under this agreement, including court costs and reasonable attorneys fees.
Additional fee information:
| Over-the-credit-limit fee |
$20.00 |
| Late payment fee |
$20.00 |
| Return check fee |
$20.00 |
| Card replacement fee |
$5.00 |
| Document copy fee |
$10.00 |
|
