Experience the Platinum Difference

Interest Rates and Interest Charges for Partners Visa® Platinum Cards
*APR = Annual Percentage Rate for Purchases	12.99% based on your individual qualifications and creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	12.99% based on your individual qualifications and creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	12.99% based on your individual qualifications and creditworthiness. This APR will vary with the market based on the Prime Rate.
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.

For Credit Card Tips from the Federal Reserve Board – 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 consumerfinance.gov/learnmore.

Fees	Visa Platinum
Balance Transfer	None
Cash Advance	None
Foreign Transaction	1% of U.S. Dollar Amount
Late Payment (if you are 10 or more days late in making a payment)	$25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
Over-the-Credit Limit	None
Returned Payment or Convenience Check	$23 or the amount of the returned convenience check, whichever is less

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 July 1, 2024. This information contained herein may change after that date. To find out what may have changed, contact the Credit Union.

Other Fees & Disclosures:
Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment. Returned Payment Fee: $23.00 or the amount of the required minimum payment, whichever is less. Returned Convenience Check Fee: $23.00 or the amount of the returned convenience check, whichever is less.

¹ Subject to credit approval.

BALANCE TRANSFERS - YOUR QUESTIONS ANSWERED

How do I transfer a balance? Once you have been approved and received your Partners Visa credit card, you can request a balance transfer using one of the following methods:

Login to Partners Online Banking at partnersfcu.org
Call the Partners Member Service Center at 800.948.6677
Visit a Partners Branch

What types of balances can I transfer? You can transfer balances from other creditors that includes credit cards, personal loans, auto loans and other loan types.

Can I transfer my balance from another Partners Visa credit card? No, balance transfers between Partners accounts are not permitted.

Is there a minimum or maximum balance transfer amount that can be completed? Yes, the minimum transfer amount is $100. Balance transfers may not be completed if they exceed 90% of your credit limit.

Will I be charged a balance transfer fee? No, there is not a balance transfer fee. Balances transferred will be billed interest at your approved APR* based on credit worthiness.

How long does it take for a Balance Transfer to post to the account I have with other creditors? If your balance transfer request is approved, the payment to the other creditor may take up to 30 days to be received. Please continue to make payments until you confirm that the payment has been posted.

Will my account with the other creditor close automatically? No, your other creditor account will not close automatically, even if it is paid in full. You will need to call your other creditor to request that they close your account.

PRESCREEN & OPT-OUT NOTICE: The consumer received the offer of credit or insurance because the consumer satisfied the criteria for credit worthiness or insurability under which the consumer was selected for the offer. If applicable, the credit or insurance may not be extended if, after the consumer responds to the offer, the consumer does not meet the criteria used to select the consumer for the offer or any applicable criteria bearing on credit worthiness or insurability or does not furnish any required collateral [including providing acceptable property as collateral]. You have the right to prohibit information contained in your credit file with any credit reporting agency from being used in connection with any credit or insurance transactions that you did not initiate. To exercise this right, please call Experian Opt-Out at 1-888-5OPTOUT (1-888-567-8688), or write to Experian, P.O. Box 919, Allen, TX 75013.