**The rate will be based on the Prime Rate as published in the Wall Street Journal plus 6% for Classic cardholders, plus 4% for Gold cardholders. The rate change will take effect on your next billing cycle date.
The minimum payment of Visa Classic/Visa Secured, Visa Gold or Visa Platinum is 2% of the outstanding balance or $25, whichever is greater.
Your billing rights are listed separately on the back of your periodic billing statement.
Credit Reports: By applying for this account you agree that we may obtain reports for purposes of processing your application and for later purposes related to your account such as reviewing, updating and renewing it, increasing the credit line and collecting. If you request, you will be informed of whether or not a credit report was requested and of the name and address of the consumer reporting agency that furnished the report. You also authorize us to verify your employment, income and other relevant information.
Other Fees: Card Replacement Fee $10, Returned Check Fee $25
Your billing rights are listed separately on the back of your monthly statement.
Credit Reports: By applying for this account you agree that we may obtain reports for purposes of processing your application and for later purposes related to your account such as reviewing, updating and renewing it, increasing the credit line and collecting. If you request, you will be informed of whether or not a credit report was requested and of the name and address of the consumer reporting agency that furnished the report. You also authorize us to verify your employment, income and other relevant information.
-All loans are based upon qualification.-The rate for your loan will be determined by your credit history. Call the Member Service Center at (702) 871-4746, for more information.
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