Important VISA Credit Card Disclosure - Honda FCU
Important VISA Credit Card Disclosures
The following disclosure represents important details concerning your Credit Card. The
information about cost of the Card is accurate as of January 1, 2011. You can call or write
us at Honda Federal Credit Union, Torrance Office, P.O. Box 2290, Torrance, CA 90509-
9874, (800) 63-Honda or (800) 634-6632 to inquire if any changes have occurred since the
effective date.
Interest Rates and Interest Charges
VISA Classic
ANNUAL PERCENTAGE RATE (APR) ? for purchases ? for balance transfers
11.5% or 12.0% or 14.0% or 18.0%
? for cash advances
The rate applicable to your Account will be set at
the time of Account approval, based upon your
credit worthiness.
VISA Gold
ANNUAL PERCENTAGE RATE (APR) ? for purchases
6.9% introductory APR for the first six months.
? for balance transfers ? for cash advances
After that, your APR will be 9.9%.
Penalty APR Paying Interest
Minimum Interest Charge For Credit Card Tips from the Federal Reserve Board
Eligibility is based upon credit worthiness. None
Your due date is at least 24 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. If you are charged interest, the charge will be no less than $0.05. To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at .
Fees Set Up and Maintenance Fees Transaction Fees
? Foreign Transaction Fee Penalty Fees
? Late Payment Fee
None
1% of each transaction in U.S. dollars.
$25 for the first late payment; $35 for every subsequent late payment in a six-month period.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your VISA Credit Card Disclosure and Agreement for more details.
Printed on 1/3/2011
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