*APR=Annual Percentage Rate. Approval is subject to underwriting guidelines and verifications. 0% introductory APR based on your credit worthiness. Introductory purchase rate applies for 6 billing cycles and is for new Visa Platinum and Visa Platinum Rewards Plus Cards only. Introductory balance transfer rate applies for 6 billing cycles. Not all approved applicants will qualify for the 0% introductory APR. Balance transfer offer applies to the payment of loan balances at other financial institutions only. Balance transfers do not earn rewards or rebates. Balance transfers from any existing accounts with Sacramento Credit Union will not be accepted. Income verification required. Offer and interest rates subject to change without notice. Limited time offer valid January 9 to February 21, 2019.
How We Will Calculate Your Balance. We use a method called "average daily balance" (including new purchases).
Loss of Introductory APR. Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if you are one (1) day late in making a payment. Existing SCU loan balances are not eligible for introductory rate.
Effective Date. The information about the costs of the card described in this application is accurate as of January 9, 2019. This information may have changed after that date. To find out what may have changed, contact SCU.
Late Payment Fee - $10 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.
Returned Payment Fee - $12 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee - $2
Document Copy Fee - None
Rush Fee - $25
Card Replacement Fee - None
Collection Costs. You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney's fees.