DCU Visa® Business Platinum Credit Card Rates
Rates effective beginning June 21, 2008. APR = Annual Percentage Rate.
| Special 6 Month Introductory Rate | As low as 7.99%For 6 Months Based on your personal credit history. Offer may end at any time.
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| Annual Percentage Rate (APR) for purchases DCU Visa Business Platinum | As low as 9.00%Prime Plus 4%. Prime as of 5/31/08: 5.00% (See Variable Rate Information below) |
| Variable-Rate Information | Your APR may change monthly. The rate for purchases, cash advances, and balance transfers is determined by adding a "margin" ranging from 4.00% to 11.5% (based upon your credit history) to the Prime Rate.* |
| Cash Advance APR | Cash Advances Transaction fee 3%, or minimum $5. There is no grace period on cash advances. |
| Grace Period for Repayment of NEW Purchases | Not less than 25 days on new purchase amounts if the total New Balance is paid in full each month by the Payment Due Date on your billing statement and there is no cash advance activity. |
| Minimum Payment | Minimum payment is 2% of outstanding balance or $20. |
| Annual Fees | NONE |
| Payment Processing | Payments received by 4 p.m. Eastern time will be credited to your account the next business day. Payments received after 4 p.m. Eastern time will be credited to your account the second business day. |
| Payments | Mail - DCU Processing Center, PO Box 10308, Des Moines, IA 50306-0308 In Person - Any DCU branch. Pre-Authorized Recurring Transfers ACH Origination Online scheduled payments through MyCardInfo. |
| Minimum Finance Charge | Finance charges are based on the monthly periodic rate. Minimum finance charge is $1. |
| Foreign Currency Conversion Fee | 2% of transaction amount |
| Overdraft Protection | DCU Visa Business Platinum Credit Card cannot be used for overdraft protection. |
Balance Transfer fee: NONE — Late Payment fee: $45.00 per occurrence — Overlimit fee: $45.00 per occurrence — Return check fee $25.00 per occurrence |
* The Prime Rate used to determine your APR is the Prime Rate as published in the Wall Street Journal at the end of the month immediately preceding the start of each billing cycle.
** At any time your Account becomes sixty (60) days past due in any 24 month period, FINANCE CHARGES on the entire balance will be calculated at the Penalty Pricing Rate of 18% APR.
Please contact us at any branch, by emailing us at dcu@dcu.org or by calling 800.328.8797 if you wish to ascertain what changes, if any, have been made to the Credit Union's Visa Business Platinum credit card program since that date.
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Digital Federal Credit Union
220 Donald Lynch Boulevard PO Box 9130 Marlborough, MA 01752-9130 508.263.6700 • 800.328.8797 |
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© 2008. Digital Federal Credit Union