IMPORTANT CREDIT CARD DISCLOSURES. The following disclosure represents important details concerning Our Credit Card. The information about costs of the Card is accurate as of the effective date of February 1, 2025. You can call Us at 800.944.2200 or write Us at P.O. Box 93727, Pasadena, CA 91109-3727 to inquire if any changes have occurred since the effective date.
Visa Introductory Rate Disclosure
| VISA Disclosure |
| Interest Rate and Interest Charges |
| APR is based on Your creditworthiness at the time Your Account is established. These APRs will vary with the market based on the Prime Rate. |
| VISA | Share-Secured Visa |
| as low as | up to | as low as |
| Annual Percentage Rate (APR) for Purchases | | |
| Introductory APR for six months | 2.99% | | 2.99% |
| 12.50% | 18.00% | 9.50% |
| APR for Balance Transfers | | |
| Introductory APR for six months | 2.99% | | 2.99% |
| 12.50% | 18.00% | 9.50% |
| APR for Cash Advances | | |
| Introductory APR for six months | 2.99% | | 2.99% |
| 12.50% | 18.00% | 9.50% |
| Paying Interest | We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date. We will begin charging interest on balance transfers and cash advances on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at: | https://www.consumerfinance.gov/learnmore/ |
| VISA Credit Card Fee Disclosure | |
| Transaction Fees | |
| Foreign Transactions | 1.00% of each foreign currency transaction in U.S. Dollars |
| | 1.00% of each U.S. Dollar transaction that occurs in a foreign country |
| Penalty Fees | |
| Late Payment | | $10.00 | |
| How We Will Calculate Your Balance: | We use a method called "Average daily balance including new purchases." See Your Account Agreement for details. |
| Billing Rights: | Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. |
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