Interest Rates & Interest Charges

Visa Gold

Annual Percentage Rate (APR) for Purchases 8.00% to 17.00%
Fixed APR Based Upon your Credit Worthiness
APR for Balance Transfers Introductory Rate 2.99% for 12 months,
after that 8.00% to 17.00%
Fixed APR Based Upon your Credit Worthiness
APR for Cash Advances Introductory Rate 2.99% for 12 months,
after that 8.00% to 17.00%
Non Variable APR Based Upon your Credit Worthiness
Penalty APR and When it Applies NONE
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances and/or balance transfers on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.00.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau website at https://www.consumerfinance.gov/learnmore/


Fees

Visa Gold

Annual Fee
Membership Fee
$0.00
$0.00
Additional Card Fee $0.00 annually (if applicable)
TRANSACTION FEES
Balance Transfer $0.00
Cash Advances $0.00
Foreign Transaction 1.0% of each transaction in U.S. dollars
PENALTY FEES
Late Payment Up to $20.00
Over-the-Credit-Limit None
Returned Payment Up to $25.00
Other Fees None

The information about the costs of the card described in this application is accurate as of November 2014. This information may have changed after that date. To find out what may have changed, write us at P.O. Box 2121 Waterbury CT 06722 or call (800) 992-2226.

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).* An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.