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- P.O. Box 267
- Tulsa, OK 74101-0267
- Telephone: (918) 610-0200
- APPLICATION AND
- SOLICITATION
- DISCLOSURE
TRADITIONS VISA/REWARDS VISA
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How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases).”
Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 12 billing cycles following the issuance of your card. Any existing balances on WeStreet Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Loss of Introductory APR:
We may end your Introductory APR for balance transfers and apply the Penalty APR if you are 110 days late in making a payment.
Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 110 days late in making a payment.
Minimum Interest Charge:
The minimum interest charge will be charged on any dollar amount.
Effective Date:
The information about the costs of the card described in this application is accurate as of: August 1, 2023. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Traditions Visa and Rewards 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.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
Balance Transfer Fee (Finance Charge):
$10.00 or 2.00% of the amount of each balance transfer, whichever is greater.
Cash Advance Fee (Finance Charge):
$10.00 or 2.00% of the amount of each cash advance, whichever is greater.
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.
Card Recovery Fee:
$50.00.
Card Replacement Fee:
$10.00.
Document Copy Fee:
$1.50.
Emergency Card Replacement Fee:
$65.00.
Pay-by-Phone Fee:
$10.00.
Rush Fee:
$65.00.
Statement Copy Fee:
$1.50.
Account Research Fee:
$12.50 Per Hour.
©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved- 03500701-MXC10-C-1-072817 (MXC101-E)
