Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers
7.90% - 15.15% APR*
Annual Fee
NONE
Minimum Credit Limit
$5,000
Method of Computing the Balances for Purchases
Average daily balance, including new purchases
Grace Period for Repayment of Balances for Purchases
25-days on average
Grace Period for Repayment of Cash Advances
NONE - Interest Accrues from Date of Transaction
Late Payment Fee**
$30
Over Credit Limit Fee
$30
Dishonored Check/ACH Charge
$30
Minimum Finance Charge
NONE
Cash Advance Transaction Fee
NONE
Method of Calculating Minimum Payment
2% of Statement Balance or balance if less than $10.00
Balance Transfer Fee
NONE
Card Replacement Charge
$10
International Service Assessment (ISA) Fee
2.00% of U.S. Dollar Amount
PIN Replacement Charge
$3
Statement Copy Fee
$5
Sales Draft Copy Fee
$5
Returned Mail Fee
$5
*APR = Annual Percentage Rate. Actual loan rate will be based upon the borrower'(s) creditworthiness. Credit subject to approval and income verification. Credit Card applicants under the age of 21 may need to provide proof of income or have a qualified co-borrower. Certain conditions may apply.
All disclosed VISA Credit Card loan terms, fees and charges are accurate as of 09/29/09, and are subject to change.
For billing inquiries, please call 800.873.5100, ext. 4791 or 561.982.4700, ext. 4791, or email visa@ibmsecu.org.
**If your payment is not made prior to the 10th day after your payment due date, you will be charged a Late Payment Fee. Finance Charges may be assessed, if your purchase balance payment in full is not made on or before your payment due date.
Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers
12.50% - 18.00% APR*
Annual Fee
NONE
Minimum Credit Limit
$500
Method of Computing the Balances for Purchases
Average daily balance, including new purchases
Grace Period for Repayment of Balances for Purchases
25-days on average
Grace Period for Repayment of Cash Advances
NONE - Interest Accrues from Date of Transaction
Late Payment Fee**
$30
Over Credit Limit Fee
$30
Dishonored Check/ACH Charge
$30
Minimum Finance Charge
NONE
Cash Advance Transaction Fee
NONE
Method of Calculating Minimum Payment
2% of Statement Balance or balance if less than $10.00
Balance Transfer Fee
NONE
Card Replacement Charge
$10
International Service Assessment (ISA) Fee
2.00% of U.S. Dollar Amount
PIN Replacement Charge
$3
Statement Copy Fee
$5
Sales Draft Copy Fee
$5
Returned Mail Fee
$5
*APR = Annual Percentage Rate. Actual loan rate will be based upon the borrower'(s) creditworthiness. Credit subject to approval and income verification. Credit Card applicants under the age of 21 may need to provide proof of income or have a qualified co-borrower. Certain conditions may apply.
All disclosed VISA Credit Card loan terms, fees and charges are accurate as of 09/29/09, and are subject to change.
For billing inquiries, please call 800.873.5100, ext. 4791 or 561.982.4700, ext. 4791, or email visa@ibmsecu.org.
**If your payment is not made prior to the 10th day after your payment due date, you will be charged a Late Payment Fee. Finance Charges may be assessed, if your purchase balance payment in full is not made on or before your payment due date.
