Rutgers Federal Credit Union
Visa Credit Card DisclosuresAnnual Percentage Rate for Purchases & Cash Advances11.90%-14.00 FIXEDrates based on credit worthinessAPR for Balance Transfers11.90%-14.00 FIXEDTo Avoid Paying Interest on PurchasesYou will have a minimum of 25 days without a finance charge on new purchases if the total new balance is paid in full each month by the payment due date.Method of Computing the Finance Charge on PurchasesFinance charge computed by applying the monthly periodic rate to the average daily balance of purchases.Method of Computing the Finance Charge for Cash AdvancesFinance charge computed by applying the monthly periodic rate to the average daily balance of cash advances.Over the Limit Fee$35.00Late Payment Fee$35.00Annual FeeNoneReturned Payment Fee$35.00Replacement Card Fee$20.00Minimum Finance ChargeNoneBalance Transfer Fee$15.00Transaction Fee for Cash AdvancesNoneForeign Transaction Fee1% of transaction Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The conversion rate to dollars will be made in accordance with the operating regulations for international transactions established by Visa.ATM Cash AdvancevariesFor Credit Card Tips from the Federal Reserve BoardTo learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at creditcard.This information is accurate as 10/19 and subject to change afterwards. Please contact the credit union for any changes in the information since printed or call us at 732-445-3050 or 1-866-539-8693.Rutgers Federal Credit Union85 Davidson RoadPiscataway, NJ 08854 ................
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