Visa Credit Card Agreement and Truth-in-Lending Disclosure Electronic Funds Transfer Agreement and Disclosure
Electronic Correspondence Disclosure and Agreement Auto Rental Collision Damage Waiver
Fee Schedule Privacy Policy
Multi-Featured Loan Agreement DocuSign Disclosure
USA Patriot Act Visa Gift Card Disclosure
MyDesign Image Guidelines and Terms & Conditions Reloadable Visa Debit Card Disclosure
Merchant Surcharge Fees Visa Periodic Disclosure
%filelink:msuaffinityagree% Platinum Visa for Teens Agreement

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your account becomes delinquent 60 days.

Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution's credit card. After 6 months, rate will revert to your standard rate, between 8.9% and 16.9%. Accounts 60 days late revert to the penalty rate of 16.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.

8.9% APR is lowest rate offered for Platinum Visa Credit Card. Rate offered is based on member's credit score.

Balance Transfer Offer Details
¹ Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution's credit card. After 6 months, rate will revert to your standard rate, between 8.9% and 16.9%. Accounts 60 days late revert to the penalty rate of 16.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.