With Visa Platinum and Visa Platinum Rewards, Ascend has a credit card to meet your needs. Ascend Visas feature no annual fee, no balance transfer fee, no fee for cash advances, and great low annual percentage rates (APRs).
Visa Platinum and Visa Platinum Rewards
Application and Solicitation Disclosure
Interest Rates and Interest Charges
|Annual Percentage Rate (APR) for Purchases||
9.50% to 18.00%
|APR for Balance Transfers||
|APR for Cash Advances||
|Penalty APR and When it Applies||
|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.|
|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.|
Foreign Transaction Fee
|1.00% of each transaction in U.S. dollars|
Late Payment Fee
Up to $25.00
Returned Payment Fee
How We Will Calculate Your Balance.
We use a method called "average daily balance (including new purchases)."
The information about the costs of the card described in this application is accurate as of October 04, 2017. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
|Late Payment Fee||10.00% of the required minimum payment, if you are 14 or more days late in making a payment. However, the fee will not exceed $25.00. |
|Returned Payment Fee||$20.00 or the amount of the required minimum payment, whichever is less.|
|Statement Copy Fee||$10.00|
|Document Copy Fee||$5.00 up to $50.00, thereafter $3.00 per item|
|PIN Replacement Fee||$35.00|
|Card Replacement Fee||$20.00|
|Account Reconciliation/Account Research Fee||
$25.00 per hour
For California Borrowers, the Platinum Visa and Student Visa are secured credit cards. Credit extended under
this credit card account is secured by various personal property and money including, but not limited to: (a) any
goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a
separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union
excluding shares in an Individual Retirement Account or in any other account that would lose special tax
treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union
excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when
you are a covered borrower under the Military Lending Act your credit card will be secured by any specific
Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account
with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card
account when you are not a covered borrower; or (ii) you cease to be a covered borrower.