East Texas Professional Credit Union

409 E Loop 281

Longview, TX 75605

903-323-0230

 

LOANLINER

MASTERCARD

 

Platinum MasterCard

APPLICATION AND SOLICITATION DISCLOSURE

 

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

7.95% to 17.95% when you open your account, based on your creditworthiness.

APR for Balance Transfers

7.95% to 17.95% when you open your account, based on your creditworthiness.

APR for Cash Advances

7.95% to 17.95% 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.

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

Annual Fee

 

-  Annual Fee

None

Transaction Fees

 

-  Balance Transfer Fee

None

-  Cash Advance Fee

None

-  Foreign Transaction Fee

0.90% of each transaction in U.S. dollars completed outside the U.S.

 

0.20% of each transaction in U.S. dollars completed in a foreign currency

Penalty Fees

 

-  Late Payment Fee

Up to $20.00

-  Over-the-Credit Limit Fee

None

-  Returned Payment Fee

Up to $15.00

 

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

Effective Date:

The information about the costs of the card described in this application is accurate as of November 1, 2016.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee

$20.00 or the amount of the required minimum payment, whichever is less, if you are ten or more days late in making a payment.

Returned Payment Fee

$15.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee

$15.00 or the amount of the returned convenience check, whichever is less.

Statement Copy Fee

$2.00 per document

Document Copy Fee

$2.00 per document

Rush Fee

$30.00 2nd day