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VISA Credit Disclosure
Annual Percentage Rate (APR) for Purchases
 Visa Classic
9.90%
to 15.90%*
Other APR's

Cash Advance
9.90% to 15.90%*

Balance Transfer
9.90% to 15.90%*

Annual Membership Fee
None
Minimum Finance Charge
None
Grace Period for Purchases
25 days
Transaction Fee for Purchases
None
Late Payment Fee
$25**
Method of Computing Balance for New Purchases & Cash Advances
Average Daily Balance (including new purchases)

*The annual percentage rate is based on certain credit-worthiness criteria.
** If ten (10) or more days late.

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