VISA Credit Disclosure
Annual Percentage Rate (APR) for Purchases
 VISA® Classic
7.90%

to 15.90%*
VISA® Secured
6.90%
Other APR's

Cash Advance
7.90%
to 15.90%*

Balance Transfer
VISA® Classic
7.90% to
15.90%*
VISA® Secured
6.90%

Annual Membership Fee
None
Minimum Finance Charge
None
Grace Period for Purchases
25 days
Transaction Fee for Purchases
None
Late Payment Fee
$25.00**
Method of Computing Balance for New Purchases & Cash Advances
Average Daily Balance (including new purchases)
Balance Transfer fee
None
Single Currency Foreign
Transaction Fee
0.80%***
Multiple Currency Foreign
Transaction Fee
1.00%***
To Request a Copy of Card Agreement
(615) 782-7220

*The annual percentage rate is based on certain credit-worthiness criteria.
** Or the required minimum payment , whichever is less. If ten (10) or more days late.
***Of transaction amount

The information about the costs of the card described in this disclosure is accurate as of December 1, 2010. To obtain a copy of the existing credit card agreement, please email us at loans@mpdcu.org.