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| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | MyRewards Signature/MyRewards/Secured After that, your APR will be 16.40% to 26.40%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Wescom Active After that, your APR will be 14.40% to 24.40%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Bruin Edge Signature/Bruin Edge/Bruin Choice After that, your APR will be 18.40% to 28.40%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | MyRewards Signature/MyRewards/Secured After that, your APR will be 16.40% to 26.40%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Wescom Active After that, your APR will be 14.40% to 24.40%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Bruin Edge Signature/Bruin Edge/Bruin Choice After that, your APR will be 18.40% to 28.40%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | MyRewards Signature/MyRewards/Secured Wescom Active Bruin Edge Signature/Bruin Edge/Bruin Choice |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on purchases if You pay Your entire balance by the due date each month and Your previous balance is zero or a credit balance. |
| 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 | |
| Transaction Fees |
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| Penalty Fees |
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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 - MyRewards Signature, MyRewards, Bruin Edge Signature, Bruin Edge, Bruin Choice, and Secured:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six billing cycles following the opening of your account. On the first day of the month following six billing cycles, the APR will revert to the prevailing non-introductory APR on all balances. Any existing balances on Wescom Central Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Promotional Period for Introductory APR - Wescom Active:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 12 billing cycles following the opening of your account. On the first day of the month following 12 billing cycles, the APR will revert to the prevailing non-introductory APR on all balances. Any existing balances on Wescom Central Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Effective Date:
The information about the costs of the card described in this application is accurate as of: 09-01-2023 This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Secured is a secured credit card. 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.
Other Fees & Disclosures:
Late Payment Fee:
$15.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.
Balance Transfer Fee (Finance Charge):
$2.00 or 2.00% of the amount of each balance transfer, whichever is greater, however, the fee will never exceed $50.00. However, the fee will not be assessed on transactions posted during the Promotional Period stated on the previous page.
Cash Advance Fee (Finance Charge):
$2.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $50.00.
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee:
$5.00.
Rush Fee:
$18.00.
Statement Copy Fee:
$5.00 per document.
