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%
when you open your account, based on your creditworthiness.
|APR for Balance Transfers||9.50% to 18.00% when you open your account, based on your creditworthiness.|
|APR for Cash Advances||9.50% to 18.00% when you open your account, based on your creditworthiness.|
|Penalty APR and When it Applies||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.|
|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
Over-the-Credit Limit Fee
Returned Payment Fee
Up to $20.00
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 June 1, 2016. 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. |
|Over-the-Credit Limit Fee||$25.00 or the amount of the transaction exceeding your credit limit, whichever is less.|
|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