Visa Signature® Credit Card — Rates and Terms
See the rates and terms associated with your FAIRWINDS Visa Signature® Credit Card.
| Interest Rates and Interest Charges | |
|---|---|
| APR* for Purchases | 18.00% |
| APR for Balance Transfers | 18.00% |
| APR for Cash Advances | 18.00% |
| Penalty APR | None |
| How to Avoid Paying Interest on Purchases | 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 balance transfers and cash advances on the transaction date. |
| 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 http://www.consumerfinance.gov/learnmore |
| Fees | |
| Set-up and Maintenance Fees | |
| Application Fees | None |
| Annual Fees | $95; each additional cardholder: $75 per year. |
| Transaction Fees | |
| Balance Transfer | 3.00% of the amount of each balance transfer, $5 minimum. |
| Cash Advance | 4.00% of the amount of each cash advance, $10 minimum. |
| Foreign Transaction | None |
| Penalty Fees | |
| Late Payment | Up to $35 |
| Returned Payment | Up to $30 |
| Over-the-Credit Limit | None |
How We Will Calculate Your Balance
We will use a method called "average daily balance (including new purchases)."
Billing Rights
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.