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VISA Application Solicitation Information


Interest Rates and Interest Charges
Platinum Visa
Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers (as of 12/01/09) 9.90%
Classic Visa
Annual Percentage Rate (APR) for Purchases and Cash Advances (as of 12/1/09) 13.90%
Annual Percentage Rate (APR) for Balance Transfers (as of 12/1/09) 8.90%
How to avoid paying interest on Purchases (Platinum and Classic) You will have a minimum of 28 days without a finance charge on new purchases if the total New Balance due is paid in full each month by the payment due date on your next periodic billing statement.
Maximum APR 18.00%
Minimum Interest Charge None
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 at
Fees (Platinum and Classic)

Set Up & Maintenance Fees

Annual Fee
Replacement Card Fee
Rush Card Fee



Transaction Fees

Balance Transfer Fee
Cash Advance Fee

Foreign Transaction Fee

Stop Payment on Convenience Check Fee



Effective April 1, 2008 a fee of up to 1% of each transaction


Penalty Fees

Late Payment Fee
Returned Convenience Check Fee


Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."


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