Platinum Rewards VISA Terms and Conditions
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | 8.9% - 18.0%, based on your creditworthiness |
| APR for Transfers | 8.9% - 18.0%, based on your creditworthiness |
| APR for Cash Advances | 8.9% - 18.0%, based on your creditworthiness |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances on the transaction date. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.50. |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
| Fees | |
| Annual Fee | None |
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Transaction Fees
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Penalty Fees
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How Do You Calculate My Balance?
We use a method called "average daily balance (including new purchases)."
What Are My Billing Rights?
Information on your rights to dispute transactions and how to exercise those rights is provided in the Additional Disclosures or Card Agreement that will be provided to you before you can begin using your new card.
Terms and Conditions
Upon applying for a St. Paul Federal Credit Union credit card account, it is understood that to qualify certain conditions must be met:
Approval is based upon satisfying St. Paul Federal Credit Union's credit standards.
Applicant must be at least 18 years of age and have a valid social security number.
Applicant must qualify for membership and be a member of St. Paul Federal Credit Union.
We may gather information about you, including from your employer, other financial institutions, credit bureaus, and others, to verify and determine your eligibility for credit, renewal of credit, and future extensions of credit. If you request, we will tell you whether or not we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports.
