Platinum Visa Terms & Conditions | CA Educator Visa Credit Card

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Current page: Platinum Visa Credit Card Terms & Conditions

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	10.90% to 18.00%¹ Fixed Rate Based on your creditworthiness.
APR for Balance Transfers	10.90% to 18.00%¹ Fixed Rate Based on your creditworthiness.
APR for Cash Advances	10.90% to 18.00%¹ Fixed Rate Based on your creditworthiness.
Penalty APR When It Applies	N/A
Paying Interest	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. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.
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 at: www.consumerfinance.gov/learnmore/
Fees
Annual Fee	None
Transaction Fees Balance Transfer Cash Advance Foreign Transaction	None² 4.00% per transaction with a minimum of $5.00 None
Penalty Fees Late Payment Over-the-Credit Limit Returned Payment	Up to $15.00 (15 day grace period) None Up to $35.00
Other Fees	Please refer to the Schedule of Fees for a complete listing.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

View Complete Platinum Visa Credit Card Agreement

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All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Other terms and conditions subject to change without notice.
¹The rate you will receive depends on your credit history. Other terms and conditions may apply.
²Free balance transfers when completing a Platinum Visa Card Balance Transfer form through Online Banking (under “Card eServices”). Free balance transfers may also be used with convenience checks to pay other lenders only—otherwise you will incur a cash advance fee. Balance transfers are not valid for FFCU loans.

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For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.

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