Credit Card Rate and Fee Disclosures

Visa® Platinum Rewards

Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases
__VISA_REWARDS_APR__
The rate you qualify for is based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
4.9% on balance transfers requested between 12/26/16-2/28/17. This rate will be extended for 12 months on the balances transferred during the promotional period; thereafter the Cash Advance Rate of 15.00% to 23.00% will be applied to these unpaid balances. After 2/28/17 the APR will be 15.00% to 23.00% for Balance Transfers.
The rate you qualify for is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
15.00% to 23.00%
The rate you qualify for is based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies
None
How to Avoid Paying Interest
on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
None
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 website of the Consumer Financial Protection Bureau here.
Fees
Annual Fee
None
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
 

  • None
  • 3% of the Cash Advance including Convenience Checks unless otherwise disclosed ($5 minimum fee/$50 maximum fee)
  • None
Penalty Fees

  • Late Payment
  • Over-the-Credit-Limit
  • Returned Payment
 

  • Up to $25
  • None
  • Up to $25
Other Fees

  • Returned Convenience Check
  • Expedited Card Delivery
  • Card Replacement Fee
 

  • $25
  • $30
  • $10
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” If you fail to make two consecutive required payments on your account you will be considered in default and all Choice Rewards Points will be forfeited.
Balance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us. Balance Transfers incur interest charges from the date of the transaction. Allow at least 2 weeks for processing. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance Transfers may not be used to pay off or down any account issued by DuPage Credit Union.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Information about the costs of the Credit Card Account described in this disclosure is accurate as of January 27, 2017. This information may have changed after this date. To find out what may have changed, please write to us at PO Box 3930, Naperville, IL 60567.

Visa® Platinum Advantage

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases __VISA_ADVANTAGE_APR__
The rate you qualify for is based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
3.9% on balance transfers requested within the first 12 months of account opening. This will be the rate for the next 12 months of each balance transfer.
After the initial 12 months, the Cash Advance Rate of 13.00% to 21.00% will be applied to these unpaid balance transfer balances. The rate you qualify for is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
13.00% to 21.00%
The rate you qualify for is based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
None
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 website of the Consumer Financial Protection Bureau here.
Fees
Annual Fee None
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
 

  • None
  • 3% of the Cash Advance including Convenience Checks unless otherwise disclosed ($5 minimum fee/$50 maximum fee)
  • None
Penalty Fees

  • Late Payment
  • Over-the-Credit-Limit
  • Returned Payment
 

  • Up to $25
  • None
  • Up to $25
Other Fees

  • Returned Convenience Check
  • Expedited Card Delivery
  • Card Replacement Fee
 

  • $25
  • $30
  • $10
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” If you are a current Visa® Rewards cardholder, by switching to a Visa® Advantage Card you will forfeit any current Choice Rewards Points.
Balance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us. Balance Transfers incur interest charges from the date of the transaction. Allow at least 2 weeks for processing. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance Transfers may not be used to pay off or down any account issued by DuPage Credit Union.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Information about the costs of the Credit Card Account described in this disclosure is accurate as of January 27, 2017. This information may have changed after this date. To find out what may have changed, please write to us at PO Box 3930, Naperville, IL 60567.

Visa® Platinum

Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases
__VISA_PLATINUM_APR__
The rate you qualify for is based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
4.9% on balance transfers requested between 12/26/16-2/28/17. This rate will be extended for 12 months on the balances transferred during the promotional period; thereafter the Cash Advance Rate of 20.00% to 28.00% will be applied to these unpaid balances. After 2/28/17 the APR will be 20.00% to 28.00% for Balance Transfers.
The rate you qualify for is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 20.00% to 28.00%
The rate you qualify for is based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies None
How to Avoid Paying Interest
on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
None
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 website of the Consumer Financial Protection Bureau here.
Fees
Annual Fee None
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
 

  • None
  • 3% of the Cash Advance including Convenience Checks unless otherwise disclosed ($5 minimum fee/$50 maximum fee)
  • None
Penalty Fees

  • Late Payment
  • Over-the-Credit-Limit
  • Returned Payment
 

  • Up to $25
  • None
  • Up to $25
Other Fees

  • Returned Convenience Check
  • Expedited Card Delivery
  • Card Replacement Fee
 

  • $25
  • $30
  • $10
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Balance Transfers:
If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us. Balance Transfers incur interest charges from the date of the transaction. Allow at least 2 weeks for processing. If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance Transfers may not be used to pay off or down any account issued by DuPage Credit Union.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Information about the costs of the Credit Card Account described in this disclosure is accurate as of January 27, 2017. This information may have changed after this date. To find out what may have changed, please write to us at PO Box 3930, Naperville, IL 60567.

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