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Visa Gold Disclosures
Details regarding our VISA Gold Card
Browse here and connect with us with any additional questions or if you need clarification on anything – we’re happy to help.
VISA Gold & Secured Gold Terms and Conditions
Secured Gold VISA Addendum
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Forrit Credit Union VISA GOLD
Offer does not apply for residents of Illinois or Iowa |
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| Annual Percentage Rates (APR) For purchases, balance transfers, cash advances | 11.95% |
| 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 interest on purchases if you pay your entire balance by the due date each month. |
| How We Will Calculate Your Balance | We use a method called “average daily balance (including new purchases)” |
| Annual Fee | None |
| Minimum Finance Charge | None |
| Transaction Fee for Purchases | None |
| Transaction Fee for Cash Advances | None |
| Balance Transfer Fee | None |
| Late Payment Fee | $15 after 10 days late |
| Returned Check Fee | $15 |
| Monthly Payments | Based on the balance outstanding at the end of each billing cycle. Minimum payment is 3% of balance or $25.00, whichever is greater. |
| 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/. |
| Billing Rights | See Forrit VISA Gold Agreement and Disclosure for details on Billing-Error Rights |
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