Disclosure Information for Visa® Signature, Visa Platinum,
Visa Platinum Rewards, & Visa Platinum Cash Rewards
The Visa Platinum introductory APR applies only to new credit card accounts opened on or after May 12, 2021. Not available for HVCU credit line increases, refinances, or HVCU credit card transfers. No exceptions will be made or considered. Offer may be withdrawn at any time by HVCU without further notice to you.
Credit Card Rates Effective February 1, 2025
| Interest Rates and Interest Charges | Visa® Signature | Visa® Platinum | Visa® Platinum Rewards | Visa® Platinum Cash Rewards |
|---|---|---|---|---|
| Annual Percentage Rate (APR) for Purchases | 16.50% to 17.25%when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. |
0%introductory APR for 12 months. After that your APR will be 15.50% to 18.00%when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. |
16.50% to 18.00%when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. |
17.50% to 18.00%when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 16.50% to 17.25% |
0% introductory APR for 12 months. After that, your APR will be 15.50% to 18.00%. |
16.50% to 18.00% |
17.50% to 18.00% |
| APR for Cash Advances | 16.50% to 17.25% This APR will vary with the market based on the Prime Rate. |
0% introductory APR for 12 months. After that, your APR will be 15.50% to 18.00%. This APR will vary with the market based on the Prime Rate. |
16.50% to 18.00% This APR will vary with the market based on the Prime Rate. |
17.50% to 18.00% This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | None | None | None | None |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
|
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
|
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the
Consumer Financial Protection Bureau. |
To learn more about factors to consider when applying for or using a credit card, visit the website of the |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau. |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau. |
| Fees | Visa® Signature | Visa® Platinum | Visa® Platinum Rewards | Visa® Platinum Cash Rewards |
|---|---|---|---|---|
| Annual Fee | $0 | $0 | $0 | $0 |
| Transaction Fees |
|
|||
|
3% of advance amount | 3% of advance amount | 3% of advance amount | 3% of advance amount |
|
Exchange Rate only | Exchange Rate plus 1% of transaction | Exchange Rate plus 1% of transaction | Exchange Rate plus 1% of transaction |
| Penalty Fees | Dot Icon here | Dot Icon here | Dot Icon here | Dot Icon here |
|
$25 | $25 | $25 | $25 |
How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases, cash advances, and balance transfers). See the Variable Rate Credit Card Agreement and Truth in Lending Disclosure for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in the Variable Rate Credit Card Agreement and Truth in Lending Disclosure.
Your new credit card has a variable rate. Additional rate information is as follows:
| Additional Rate Info | Visa® Signature | Visa® Platinum | Visa® Platinum Rewards | Visa® Platinum Cash Rewards |
|---|---|---|---|---|
| MONTHLY PERIODIC RATE FOR APR SHOWN ABOVE FOR PURCHASES, CASH ADVANCES, AND BALANCE TRANSFERS |
1.37% to 1.44% | 1.29% to 1.50% | 1.38% to 1.50% | 1.46% to 1.50% |
| MARGIN | 9.00% to 9.75% | 8.00% to 12.25% | 9.00% to 13.25% | 10.00% to 14.25% |
The Annual Percentage rate and monthly periodic rate above is in effect until the next monthly change. Refer to your Variable Rate Credit Card Agreement and Truth in Lending Disclosure for more information regarding your variable rate.
Important Legal Disclosures & Information
Visa is a registered trademark of Visa International Service Association and used under license.